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Home My WebLink About96-02995 \ " . I , '\ i' ~ , ~ ~ ~ " "- .e-... ... ~ "' ~ ~ """ ~ J I, , 1" i \ \ " I I ' , ,o1! '\ ( 1 '~ . ~ 'I 'I , .... ~.::) (; J, I, \ , ! .' " 'l~_',. \'1 ',\ l"~l I,' lj' t' ,/ ,1 I,\~ !:j "i(' , 'J 'j 1 ; " 'I': , I , ' ,""- .....: ", , , " " ".1 " ,I " " , , " , , , "I , " // , , / , , ' " , " I, , , ,,\ -,' " ,,' I:; , " 'I, " ',' , " " I , , , " , " " I , ',. " , " " 'I , , ,1\ , I ," ,..1, ,,' , " " ~' SHAPIRO AND ICRII8IIAN BYI CAROLI. llRAII, ISQUIRB, 1.0. 153426 STANLIY K. GORDON, ISQUIRE, I.D. 169432 NANCY WORTH-PINE, ESQUIRE, I.D. #50596 CHIRYL VILLAUKI, BSQUIRE, 1.0. #70044 LAWRENCE I. SCHWARTZ, ESQUIRE #37499 AUDREY MITTLIMAN, ISQUIR~ I.D. #58047 SOUTHPOINT orrICE COMPLBX 1160 WEST 8WEOESPORD ROAD, SUITE 350 BERWYN, PA lun TELBPHONB (610) 695-9240 r.d.ral National Mortgag. A..ociation COURT or CONHON PLEAS CIVIL DIVISION CUMBERLAND COUNTY 9th JUDICIAL DISTRICT 'LAINTIrr v.. N0196-2995 J.ffr.y L. Watt. and pom C. Watt. DErENDANT ( S) .aaaCI'1 .oa JUDO IMT loa .AILual TO AM..I. ARD aSS.S8K.NT OP DAMAO.. Ent.r Jud9ll.nt 1Jl iIH in the alllount of '211,.14.:17 in favor of the Plaintiff and again.t the d.fandant(.), jointly and ..v.rally, for failura to fila an an.w.r to Plaintiff'. COlllpl.int in Mortgage For.closure within 20 day. frolll ..rvic. th.r.of and ...... Plaintiff'. dalllage. a. follows and calculat.d a. .tat.d in the Complaintl Principal of mortgage d.bt due and unpaid Int.r..t at 7.625' from 4-1-95 to 9-11-96 (530 day. . $39.76 p.Z' dielll) , Lat. charg.. (for c.rtain month. prior to d.fault and .v.ry month aft.r at a rat. of $68.48 p.r month) B.crow Advanc. (A. .tat.d in C~lIIp1aint) Attorn.y. r... (A. ./:at:~d_\ COlllp1aint) TOTAL AMOUNT DUB . ) $190,342.78 21,072.80 1,095.68 2,903.01 4,500.00 $219,914.27 , AND NOW, D.f.ndant(.) BERAS , ESQUIR , 1.0. 53426 ANLBY . GORDON, ESQUIR~, I.D. 169432 ORTH-PINE, ESQUIRE, 1.0. 150596 CHERYL VILLAUME, ESQUIRB, I.D. #70044 LAWRENCE B. SCHWARTZ, ESQUIRE #37499 AUDREY MITTLEMAN, ESQUIRE 1.0. #58047 Attorn.y for Plaintiff judgm.nt i. ent.r.d in favor of the Plaintif~ and ag3in.t the and damag.. are a......d .. abov in the Uj of $219,914.27. . l , " , (~l' Pro. prot-Y: c=xft; . 95-8585 SHAPIRO AND RREISMAN BYI CAROLEE BERASI, ESQUIRE ATTORNEY 1.0. NO. 53426 SOUTH POINT OFFICE COMPLEX 1160 WEST SWEDES FORD ROAD, SUIT~ 350 BERWYN, PA 19312 TBLEPHONE (610) 695-9240 S , R rILE NO. 95-8585 Federal National COURT OF COMMON PLEAS Mortgage As.ociation CUMBERLAND COUNTY c/o Cha.e Manhattan NOI 96-2995 Mortgage Corporation 4915 Independence parkway Tampa, FL 33634 PLAINTIFF VS. Jeffrey L. watt. and pom C. Watt. 19 Houston Drive, MechanicsDurg, PA 17055 DEFENDANT (5) CERTIFICATION OF MAILING NO~ICE UNDER RULE 237.1 The undersigned hereby certifies that a written Notice of Intention to File a Praecipe for the Entry of Default Judgment was mailed to the defendant (s) and to his, her, their attorney of record, if any, after the default occurred and at least (10) days prior to the date of the filing of the Praecipe. Said Notice was sent (In the date set forth in the copy of said Notice attached hereto, July 8, 1996 to Jeffrey L. Watts and pom C. Watts at 19 Houston Drive, MechanicsDurg, PA 17055. Juli Leg Assistant to Carolee Berasi, Esquire for SHAPIRO & KREISMAN SHAPIRO AND KREISMAN BYI CAROLEI IERASI, ESQUIRE ATTORNEY 1.0. NO. 53426 SOUTHPOINT orrICE COMPLEX 1160 WEST SWEDESrORD ROAD, SUITE 350 IERWYN,'A 19312 TELEPHONE (610) 695-9240 S , K rILE NO. 95-8585 rederal National COURT OF COMMON PLEAS Mortqaqe A..ociation CUMBERLAND COUNTY c/o Cha.e Manhattan Mortqage Corporation 4915 Independence Parkway Tampa, rL 33634 PLAINTIFF NOI 96-2995 VS. l lij Jeffrey L. Watte and pom C. Watt. 19 Houaton Drive, Mechanic.bur9, PA 17055 DEFENDANT (S) j,l TO: Jeffrey L. Watta DATE OF NOTICE: July 8, 1996 You AU III DlrAULT IICAUSI YOU HAVI rAILlD TO INTIR A lIRI'1"l'I1I APPIAIUIlICIl PlRIONALLY OR IY A'1'1'ORlI1IY All\) rILl IN WRITING WITH THI COURT YOUR DI'INS.. OR OIJIC'UOIll TO 'l'HI CLAIMS liT FORTH AGAINST YOU. UNLIS. YOU ACT WITHIII TIN (10) DAn PRCJI'l'HI DATI or 'l'IlIl NOTICI, A JUOOMlKT IlAY II INTIIIID AGAINIT YOU WITIIOUT A IllARING AND YOU HAY LOSI YOUR PROPlRTY OR OTHlR IMPORTAII'l' RIGHT.. You 'HOULD TAU 'l'IlIl NOTICIl TO A LAlfYlll AT ONCI. Ir YOU DO NOT HAW A LAWYIR OR CANNOT AFFORD ONI, GO TO OR TILIPHONI THI FOLLOWING OPPICI TO rIND OUT WHiRl YOU CAlI GIT LIGAL HlLP: COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 SHAPI'RO AND !(REISMAN BYI CAROLEE BERASI, ESQUIRE ATTORNEY 1.0. NO. 53426 SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 350 BERWYN, PA 19312 TELE,HONE (610) 695-9240 S , X rILE NO. 95-8585 Federal National COURT or COMMON PLEAS Mortgage Association CUMBERLAND COUNTY c/o cha.a Manhattan Mortgage corporation 4915 Independence parkway Tampa, FL 33634 PLAINTIFF NOI 96-2995 VS. Jeffrey L. Watts and Po. e. Watt. 19 Houston Drive, Mechanicsburg, PA 17055 DEFENDANT(S) TO: pom C. Watts DATE or NOTICE: July ~, 1996 You Ma III DIPAULT BICAU.. YOU HIWI 'IIWED TO INTlR II WRITTIII I\PPlAlWlCI .IRSOMI\LLY OR SY IITTORNIY I\MD 'ILl III WRITING WITH THI COURT YOUR 01'111111 OR OIJlCTIONI TO THI CLAIMS liT PORTH IIGIIINST YOU. UNLII. YOU IICT WITHIII Till (10) DIIYI PROM THI DATI 0' THIS IIOTICI, A JUDGKlNT IU\Y II INTIRED IIGAINIT YOU WITHOUT II HlMING I\MD YOU MAY LOSI YOUR PROP!IlTY OR OTHlR IKPORTAIlT RIGHT'. You IHOULD TAItI THIS NOTICI TO A Ll\llYIR AT ONCI. I' YOU DO NOT Hl\VI A Ll\llYIR OR CI\IlNOT ArrORD ONl, GO TO OR TELEPHONI THI FOLLOWING O"ICI TO 'IND OUT WHiRl YOU CIIN GIT LIGAL HIL': COURT ADMINISTRATOR 4TH PLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 ~ SHAPIRO AND DIISMAN BYI CAROLII BIRASI, ESQUIRE, 1.0. 153426 STANLlY K. GORDON, ESQUIRE, 1.0. 169432 NANCY WORTH-PINE, ISQUIRI, 1.0. 150596 CHERYL VILLAUMI, ESQUIRI, 1.0. 170044 LAWRINCI B. SCHWARTZ, ESQUIRE 137499 AUDRlY MITTLIHAH, ESQUIRE 1.0. 158047 SOUTHPOINT OPPICI COMPLEX 1160 WEST SWIDESrORn ROAD, SUITE 350 BIRWYN, PA 19312 TILEPHONB (610) 695-9240 Pa4aral National Mortgage A..ociation COURT or COMMON PLEAS CIVIL DIVISION CUMBERLAND COUNTY l'LAINTIrr v.. NOI 96-21195 Jeffray L. watt. and '0. C. watt. DEPENDAN'1'(S) C"~I~ICA~IOH O. ADDRBIS I hareby certify that tha oorrect addra.. of the ju49ll1ent oreditor ('laintiff) i.: Pederal National Mortgage Aaaooiation 0/0 Chaaa Manhattan Mortgage Corporation 4915 In4apend.noe Parkway Ta.pa, rL 33634 an4 that the laat known addra..(ea) of the judgment debtor (Defendant(8)) ial Jeffrey L. Watta 19 Houaton Drive, Mechanio.burg, PA 17055 Po. C. Watta 19 Houaton Drive, Mechanic.burg, PA 17055 ::~ KR~ ~/ , ESQUIRE, I.D. 53426 LEY K. GORDON, ESQUIRE, 1.0. 169432 NANCY WORTH-PINE, ESQUIRE, I.D. 150596 CHERYL VILLAUME, ESQUIRE, 1.0. 170044 LAWRENCE B. SCHWARTZ, ESQUIRE 137499 AUDREY MITTLEMAN, ESQUIRE I.D. 158047 Attorney for Plaintiff 95-8585 orFICE or THE 'ROTHONOTARY COURT or COMMON 'LEAS cuaberland County Courthou.. S. Hanovar Straat Carliala, PA 17013 Lawr.nc. I. Welk.r 'rothonotary Tal J.ffr.y L. Watta 1\>> Houaton Dr i v. M.chanic.bur9, PA 17055 PLAINTIrr COURT or COMMON PLIIlAS CUMBIRLAND COUNTY NOr ii-un r.daral National Mortgag. Aaaociatlon va. J.ffray L. watt. and Po. C. watt. DErENDANT(S) .OTIC. Purauant to Rula 236 of the Supra.. Court of p.nn.ylvanla, you ara haraby notified that a Judgaant haa baan ant.rad a9ainat you in tha above procaadinq a. indicatad balow. Lawranca I. Walkar Prothonotary [XX) Jud9llant by D.fault [ ) Jud'iJllant for Po.....lon [ ) Ju1l'iJllant on Award of Arbitration [ ) Ju1l'iJllant on V.rdict ( ) Ju1lCJlllant on Court rln1lin9. , Ir YOU HAVE ANY QUISTIONS CONCERNING THIS NOTICE, PLEASE CALL: ATTORNEY Carol.. B.ra.i, ESQUIRE AT 610-695-9240. orrICI or THI PROTHONOTARY COURT or COMMON 'LEAS cuaberland county Courthou.. S. Hanover Street Carli.le, PA 17013 Lawrence I. Welker Prothonotary TOI Po. C. Watt. 19 Hou.ton Drive Meohanio.burg, 'A 17055 rederal National Mortqaqe AII.ociation COURT or COMMON PLEAS CUMBBRLAND COUNTY NOI 9lI-a9U PLAINTIFF VS. Jeffrey L. Watt. and Po. C. Watt. DlrENDANT(S) .OTIC. Pur.uant to Rule 236 of the supre.e Court of 'enn.ylvania, you ar., hereby notified that a Jud9JIent ha. been enter.d a9ain.t you in the above proceeding a. indicated below. Lawrenoe E. Welk.r Prothonotary (XX) Jud9JIent by Default ( ) Judpent for ,o.....ion ( ) Judpent on Award of Arbitration ( ) Jud9JI.nt on Verdict [ ) Judpent on Court rindinq. Ir YOU HAVI ANY QUISTIONS CONCERNING THIS NOTICI, 'LEASE CALLI ATTORNIY Carolee Bera.i, ESQUIRE AT 610-695-9240. IIWllRO AIID DIIlIIWf IYI CAROLa.IERAII, IIQUIll, 1.0. 15343. .TANLIY K. GORDON, ISQUIRI, I.D. 161433 NANCY WORTH-'INI, IIQUIRI, I.D. 150516 CHIRYL VILLAUMI, ISQUIRI, I.D. 170044 LAWRlNCa I. ICHW,~TZ, IIQUIRI 137411 AUDRlY MITTLIHAN, IIQUIRI I.D. 151047 IOUTHPOINT orrlCI ~Lax 1160 WIST IWIDlsroRD ROAD, SUITI 350 IIRWYN, PA 11313 TILIPHONI (610) 615-1240 rederal National Mortvave A..ociation COURT or COMMON 'LIAS CIVIL DIVISION CUMIIRLAND COUNTY PLAINTI" VI. NOI U-Uta Jeffrey L. Watt. and '0. C. Watt. DlrlNDANT (I) a"~I.la&~. C. ...vla. We, Shapiro and ~rei..an, Attorney for the 'laintiff, hereby certify that I have .arvad by fir.t cle.. ..il, pOltave pr.paid, true and correct copi.. ot the attached paper. upon the followin9 peraon(.) or their ettorney of record. Jeffrey L. Wattl 11 HOUlton Drive, Meohaniolburv,'A 17055 Po. C. watt. lt HOUlton Drive, Meohanic.burV"A 17055 Matth.w J. a.h.l..n, Ilq 3101 Market It. Altea luUdJ.nv Ca.p Hill, PA 17011 Dat~ ..nedl <J-It) 'J&. , , I.D. 15342' IV ~. GORDON, ISQUIRI, I.D. #'1432, HAIley WORTH-'INI, ESQUIRI, I.D. #5059' CHARYL VILLAUMI, ISQUIRE, I.D. #70044 LAWRINCI I. SCHWARTZ, ESQUIRE #37411 AUDRIY MITTLIMAH, ESQUIRI I.D. #58047 Attorney for Plaintiff 15-8585 ~, C"l ~;; If: - ~:' N ,~ r-' , " ~~. , " "- :',;- ~".j .- -. ,) (l. ,..;. F LI_.. "0 L'_ v: CJ.. (.', ',"', .,-- C' I , .j " ~ , .... '- \ \. .~ ~..t~ j 1 ~ \.;...: ~ ~ t9~ ! ~ F:~~~ ~ ',' " " ",. .... COMMONWEALTH OF PENNSYI.VANIA COUNTY OF CUMBIlRI.AND COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2995 Federal National MOl1aaae Association vs. Jeffrey L. Watts and Pom C. Watts PRAECIPE POR WRIT OF EXECUTION (MORTOAOB FORECLOSURE) TO THB PROTHONOTARY: Issue Writ of Execution In the above malter: Amount Due $219,914.27 j Interest from 9-12.9610 12-4-96 (Costs 10 be added) $ ~2~.9'O.89 $ ,e' HAPIRO '" KRE N By: ee Herasi, Esquire Audrey Mi(l)eman, Esquire I I' I NO. 96-2995 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA Federal National Mortgage Association vs. " 1effrey L. Watts and Porn C. Watts 'I WRIT OF EXECUTION (Mortgage Foreclosure) ~ Costs PrOthyPaid $ Writ, ReI. & Sat $ Total Cost $ I ( i. . . I.'" ...., " , i , I , I ,\ " I , " " , , , c; '-i . ~ . Y) (J'- '-' \r.; I..Q N "'\"'- ..::::t-. "'l'i' .. ~ , ~ e., " ... [:: t:~ ~~: ~~ f:D ~. I ILl, ,,, I ... ',. I.~ Ifl u-: .. N "-')-< '.,Jr. .',': );::j . ;.. ',"/. , 1 '/ .,' "101 I I' '~ 0_ ~ ~ Cl ~\, :'.; L:.. p- ~d v: ", (J' J ~ -;:) -- .j <:::'j...j ,vy G " " " , " ~ ... '. SHAPIRO AND KREISMAN ~Y: CAROLEB BERASI, F.SQUIRE, J.D. ~3426 STANLBY K. OORDON, F.SQUIRE, 1.0. 169432 NANCY WORTH-PINE, F.SQUIRE, 1.0. 1SO.596 CHERYL V1LLAUME, F.SQUIRE, 1.0. 170044 LAWRENCE B. SCHWARTZ, F.SQUIRE 137499 AUDREY Mrl'TLEMAN F.SQUIRE, 1.0. ~8047 SOUTHPOINT OFFICE COMPLEX 1160 WF.ST SWEDESFORD ROAD, SUITE 350 BERWYN, P'A 19312 TELEPHONE (610) 695-9240 Federal National Mortpae COURT OP COMMON PLEAS Auociathln CUMBERLAND COUNTY PLAINTIPF v.. NO: 96-2995 Jeffrey L. Watts and Porn C. WaIU DEFENDANT(S) Federal National Mortpae Auociation, Plaintiff in the above lICtion, sell forth, u of the date the pneclpe for the writ of execution wu filed, the foUowina information concemina the real property Iocaled at l' HOUlton Drive. MechankJbu.... PA 17055. 1. Name and Iddreaa of Owner(.) or Reputed Owner(.) Jeffrey L. Watts 19 Houlton Drive, Mechanic:sbura, PA 17055 Pom C. Watts 19 Houlton Drive, Mechanicsbura, PA 17055 2. Name and addreaa of Defendant(.) in the judament: Jeffrey L. Watts 19 Houlton Drive, Mechanlcsbura, PA 17055 Pom C. Watts 19 HOUSlOn Drive, Mechanicsbura, PA 17055 . \. 3. NIIlIe and Jut known addIIII of every judlmcnt credilor whole judlmcnt I. I record lien on the real property 10 be IOld: Federal Nltional MOJ1&l&e Auoclation c/o Chue Manhattan Mortalle Corporation 4915 Independence Parkway Tampa, FL 33634 4. Name and Iddreu of the Jut recorded holder of every mortalle of record: Federal NIliUllll Mortpae Asaoclation. Plaintiff c/o Chue Manhattan Mort&lle Corporation 4915 Independence Parkway Tampa. PL 33634 5. Name and addreu of every other penon who hu lilY record lien on the property: None. 6. Name and addreu of every other penon who hu lilY record Inlemt In the property and whose Interelt may be affected by the sale: Silver SPrin& Township Department of Wlter 317 N. Market SIreet ~clbul'l. PA 17055 Silver Sprinl Township Department of Sewer 6475 Carlisle Pike Mechlniclbul'l. PA 17055 Silver Sprlnl Township Tilt Collector 269 Woods Drive MechaniClburl. PA 17055 Attn: Debra Wiest Cumberland Valley School District 6746 Carlisle PIke Mechanicabura, PA 17055 Cumberland County Treuurer Cumberland County Courthouse S. Hanover Street Carlisle, PA 17013 Cumberland County Tilt Claim Bureau Cumberland County Courthouse S. Hanover Street Carliale, PA 17013 (. SHArIllO AND KlU!ISMAN BY: CAROLEE BEllASI, ESQUIRE, 1.0. '53426 STANLEY K. GORDON, ESQUIRE, 1.0. '69432 NANCY WORTH-PINE, ESQUIRE, 1.0. 150596 CHERYL VILLAUME, ESQUIRE, 1.0. 170044 LAWlENCB B. SCHWARTZ, ESQUIRE 137499 AUDaBY MITI'LBMAN, ESQUIRE, 1.0. 158740 SOUTHPOINT OPFICB COMPLEX 1160 WEST SWBDESPORD ROAD, SUITE 350 BERWYN, PA 19312 TBLBPHONB (610) 695-9240 Fedenl National Mortp&e Auoclatlon COURT OF COMMON PLEAS CUMBERLAND COUNTY PLAINTIFF VS. NO: 96-2995 Jeffrey L. Watts and Pom C. Watll DBF~ANT(S) TO: Jeffrey L. Watts 19 Houston Drive, Me<:hanicsbul'l, PA 17055 Your house (real estate) at: 19 BOUlton Orin, MecbaDlcsbul'l, PA 17055 is scheduled to be sold at Sheriffs Sale on DECEMBER 4, 1996 at: Cumberland County Courthouse S. Hanover Street Carlisle, PA 17013 at 10:()() AM to enforce the court judament of 5219,914.27 obtained by Federal National MOl1&aae Association apinst you. NOTICE OF OWNER'S RIGHTS YOU MAYBE ABt,.E TO PREV~NT THIS SHERIPF'S SALE To prevent this Sheriffs Sale you must take immediate action: 1. 11le we will be cancelled If you pay back to Federal National Mol1&aae Association the amount of the judament plus COllI or the back payments, late charaes, costs, and reasonable attorneys fees due. To find out how much you must pay, you may call: 610-695-9240. 2. You may be able to slOp the sale by mina a petition askina the Court to strike or open the judiment, If the judament wu improperly flnterecl. You may also ask the Court to postpone the sale for aood cause. 1'" ,. 3. You may be able to atop the lIIle throuah other lep! proceer1inas. You may need UI attorney to UlCrt your r1ahll. The IOOI1Cr you conllCt one, the more chance you will have of ltopplna the sale. (See notice on pqe two of how to obtain an attorney.) YOU MA Y STILL BB ABLE TO SA VB YOUR PROPERTY AND YOU HA VB OTHER RIGHTS EVEN IF THE SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriff's Sale II not atopped, your property will be sold to the hlallest bidder. You may find out the price bid by call1na 610-69'-9240. 2. You may be able to petition the Court to set uide the sale If the bid price wu arossly Inadequate compared to the valuc of your property. 3. The sale will 10 throuah only If the buyer pays the Sheriff the full amount due in the sale. To find out If this hu happened you may call 717-2~390. 4. If the amount duc from the buyer il not paid to the Sheriff, you will remain the owner of the property u If the sale never happened. 5. You have a r1aht to remain In the property until the full amount duc Is paid to the Sheriff and the Sheriff alves a deed to the buyer. At that time, the buyer may brlnaleaal proceedings to evict you. 6. You may be entitled to a share of the money which wu paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than One month from date of lIIle. ThIs schedule will state who will be rec:eivina the money. The money will be paid out in accordance with thIlschedule unless exc:cptiolll (reasons why the proposed distribution is wrona) are filed with the Sheriff within ten (10) daYI after the date of filina of aid schedule. 7. You may a110 have other rlahts and defenses or ways of lettina your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSE CARLISLE, PA 17013 (717) 240-6200 PLRSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT mlS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATI'EMPI'ING TO COI.I......cT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR mAT PURPOSE. 9'-MM .........,) 3; Name and Jut known Iddreu of every judlment creditor whole judlment I. I record lien on the real property to be IOld: Federal National Mortpae Auoclalion clo ChuCl Manhattan Monalle Corporation 4915 IndependencCl Parkway Tampa. PL 33634 Henry'. Towina 2390 Wertz Lane Enola, PA 17025 . . Suaquebanc: Leue Co. Two Market Square, 2nd Ploor Manheim, PA 17S45 4. Name and adcSreu of t,'Ie wt recorded holder of every morl&lIe of rec:ord: Federal National Mortpae Auoclatlon. Plaintiff clo CJwc Manhattan Monalle Corporation 4915 Independence Parkway Tampa, FL 33634 5. Name and addreu of every other person who has any record lien 01\ the property: None. 6. Name and addresa of every other penon who hu any record Interelt In the propelty and whose Intereat may be affected by the sale: Silver Sprilll Township Deputment of Wlter 317 N. Market Street Mec:hanicsbura, PA 17055 Silver Sprina Township Department of Sewer 6475 Carlisle Pike Mec:hanicsbura. PA 17055 Silver Sprina Township Tax Collector 269 Wood. Drive Mechanicsbura. PA 17055 Attn: Debra Wiest Cumberland Valley School District 6746 Carlisle Pike Mec:han1clbura. PA 17055 . Federal Na tional Mortgage Assoc ia t ion vs Jeffrey L. Wat ts and Porn C. Watts In the Court of Common Pleas of Cumberland County, Pennsylvania Writ No. 96-2995 Civil Term .-~--- Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, says on October 9, 1996 at 3.50 o'clock P.M., E.D.S.T., he posted the property of Jeffrey L. Watts and Porn C. Watts at 19 Houston Drive, Mechanicsburg, Cumberland County, Pennsylvania with a copy of Real Estate, Notice, Poster and Description according to law. Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, says on October 21, 1996 at 2.41 o'clock P.M., E.D.S.T., he served true copies of Real Estate Writ, Notice Poster and Description in the above entitled action upon one of the within named defendants, to wit. Jeffrey L. Watts by making known unto Marlene Brown Girlfriend of Jeffrey L. Watts at 105 Allendale Way, Camp Hill, Cumberland County, Pennsylvania its contents and at the same time handing to her personally the said true and attested copi~s of the same. Kenneth Gossert, Deputy Sheriff, who being duly sworn according to law, says on October 9, 1996 at 3.55 o'clock P.M., E.D.S.T., he served true copies of Real Estate Writ, Notice Poster and Description in the above entitled action upon one of the within named defendants, to wit. Porn C. Watts by making known unto Porn C. Watts at 19 Houston Drive, Mechanicsburg, Cumberland County, Pennsylvania its contents and at the same timne handing to her personally the said true and attested copies of the same. R. Thomas Kline, Sheriff, who being duly sworn according to law, says that he served the above Real Estate Writ, Notice Poster and Description in the fOllowing manner, The Sheriff mailed one of the within named defendants, to wit, Jeffrey 1. Watts a notice of the pendency of the action by regular mail to his last known address at 105 Allendale Way, Camp Hill, Pennsylvania 17011. This letter was mailed under the date of October 22, 1996 and was never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being dulys swor~ according to law, says that he served the above Real Estate Writ, Notice Poster and Description in the above entitled action upon one of the within named defendants, to wit. Porn C. Watts a notice of the pendnecy of the action by regular mail toher last known address at 19 Houston Drive, Mechanicsburg, Pennsylvania 17055. This letter was mailed under the date of October 22, 1996 and was never returned to the Sheriff's Office. R. Thomas Kline, Sheriff, who being duly sworn according to law, sys that after due and legal notice had been given according to law, exposed the within described premises at public venue or outcry at the Court House, Carlisle, Cumberland County, Pennsylvania on December 4, 1996 at 10.00 o'clock A.M., E.S.T., and sold the same for the sum of $1.00 to Attorney James Flower for Attorney Carolee Berasl for Federal National Mortgage Association at c/o Chase Mortgage Serv ices Inc. 4915 Independence Pa rkway Tampa FL 33634 Its successors and assigns. It being highest bid and the best price received for the same Federal National Mortgage Association Its Successors and assigns 4915 Independnence Parkway Tampa FL.. 33634 being the buyer in this Execution paid Sheriff R. Thomas Kline the sum of $ 654.13 it being poundage stamps etc. Sheriff's Costs listed below. See attached distribution sheet for additional costs. . I . SHAPIRO AND KREISMAN BY: CAROLEB BERASI, ESQUIRE, 1.0. 153426 STANLBY K. GORDON, ESQUIRE, 1.0.169432 NANCY WORTH.PINE, ESQUIRE, 1.0."0596 CHERYL VILLAUMB, ESQUIRE, I.D.I70044 LAWRENCE B. SCHWARTZ, ESQUIRE 137499 AUDREY MIT'I'LEMAN ESQUIRE, 1.0. 1.58047 SOU1llPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 350 BERWYN, PA 19312 TBLBPHONB (610) 695-9240 FCldetIJ National Mortaaae COURT OF COMMON PLEAS Auoclation CUMBERLAND COUNTY PLAINTIFF VI. NO: 96-2995 . Jeffrey L. Watts and Pom C. Watts DEFENDANT(S) Federal National Mortp&e Association, Plaintiff In the above action, sets forth, as of the date the pneclpe for the writ of execution was filed, the followlnllnfonnation concemlnl the real property located at 19 Houston Drive, Mec:baa1esbul'l, PA 17055. 1. Name IJ\d address of Owner(s) or Reputed Owner(s) Jeffrey L. Watts 19 HOUlton Drive, Mec:hanicsburl, PA 17055 Pom C. Watts 19 Houston Drive, Mechanlcsburs, PA 17055 2. Name and address of Defendant(s) In the judlment: Jeffrey L. Watts 19 Houston Drille, Mechanlcsburl, PA 1705,5 Pom C. Watts 19 Houston Drive, Mec:hanlcsburs, PA 170.55 , , 3. Name ~d lut known addnua of every jud.ment creditor whose judllmentls I record lien on the real property to be sold: Federal National Mona..e ASIOlllatlon c/o Chase Manhlllln Mona..e Corporation 4915 Independence Parkway Tampa, FL 33634 4. Name and address of the lut recorded holder of every mOrllllle of record: Federa1 National Mona..e Assocll1t1on, Plaintiff c/o Chase Manhallln Mona..e Corporation 4915 Independence Parkway Tampa, FL 33634 5. Name and address of every other person who has any record lien on the property: ' None. 6. Name and address of every other person who has any record Interest In the property and whose Interest may be affected by the sale: Silver Sprina Township Department of Water 317 N. Market Street Mcchanicsbur., PA 17055 Silver Sprlna Township Department of Sewer 6475 Carlisle Pike Mcchanlcsbura. PA 17055 Silver Sprine Township Tax Co11cctor 269 Woods Drive Mcchanicsbura. PA 17055 Attn: Debra Wiest Cumberland Valley School District 6746 Carlisle PIke Mcchanicsbura. PA 17055 Cumberland County Treasurer Cumberland County Courthouse S. Hanover Street Carlisle. PA 17013 \ " Cumberland County Tax Claim Bureau Cumberland County Courthouse S. Hanover Street Carlisle, PA 17013 '/+ :" , 3. You may be able to stop the sale throulh other le.aI proceedlnls. You may need an attorney to assert your rI,hll. The IOOner you contact one, the more chance you will have of stoppln. the sale. (See notice on PIlle two of how 10 obtain an atlOmey.) YOU MAY STILL BB ABLB TO SA VB YOUR PROPERTY AND YOU HA VB OTHER RIGHTS BVEN IP THE SHERIFF'S SALB DOES TAKE PLACE. 1. If the Sheriffs Sale Is not stopped, your property will be sold to the hi.hest bidder. You may find out the price bid by call1n. 610-695.9240. 2. You may be able 10 petition the Court to set aside the sale If the bid price was lrowy Inadequate compared to the value of your property. 3. The sale wlll.o throulh only If the buyer pays the Sheriff the full amount due In the sale. To find out !fthls has happened you may call 717-240-6390. 4. If the amount due from the buyer Is not paid 10 the Sheriff, you will rcmaln the owncr of the property u If the sale never happened. 5. You have a rI.htlO remain In the property until the full amount due Is paid 10 the Sheriff and the Sheriff lives a deed 10 the buyer. At that time, the buyer may brlnlle.a1 proceedin.s to evict you. 6. You may be entitled to a share of the money which was paid (l)r your house. A schedule of distribution of the money bid for your house wl1l be filed by the Sheriff no later than One month from date of sale. ThIs schedule will state who will be rccelvln.the money. The money will be paid out In accordance with this schedule unless exceptions (reasons why the proposed distribution Is wrona) arc filed with the Sheriff within ten (10) days after the date of filinll of said schedule. 7. You may also have other rllhlS and defenses or ways of Ilettina your house back, If you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HA VB A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFlCB LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSB CARLISLE, PA 17013 (717) 240-6200 PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT TIllS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR A1'TEMPI'ING TO COLLECT A DEBT. ANY INFORMATION OBTAINED Wn.L BE USED FOR mAT PURPOSE. 95-8585 . , " '3. You' may be able 10 Slol' the sale throulh other lelal proc:eedinls. You may need an attorney to usert your rI,hll. The IOOnClf you contact one, the more chance you will have of stopplnl the sale. (See notice on pille two of how to obtain an atlorney.) YOU MAY STILL DB ABLE TO SAVE YOUR PROPERTY AND YOU HAVE OTHER RIGHTS BVEN IF THB SHERIFF'S SALE DOES TAKE PLACE. 1. If the Sheriffs Sale Is not stopped, your property will be sold to the hlllhest bidder. You may find out the price bid by calling 610-695-9240. 2. You may be able 10 petition the Court to set aside the sale If the bid price was Ilrossly Inadequate compared to the value of your property. 3. The sale will 10 throulh only if the buyer pays the Sheriff the full amount due In the sale. To find out if this has happened you may call 717-240-6390. . 4. If the amount due from the buyer Is not paid to the Sheriff, you will remain the owner of the property as If the sale never happened. 5. You have a r1llht 10 remain In the property until the full amount due Is paid 10 the Sheriff and the Sheriff lives a deed 10 the buyer. At that time, the buyer may bring legal proceedings to evict you. 6. YQU may be entitled to a share of the money which was paid for your house. A schedule of distribution of the money bid for your house will be filed by the Sheriff no later than One month from date of sale. This schedule will state who will be receiving the money. The money will be paid out In accordance with this schedule unless exceptions (reasons why the proposed distribution is wrona) arc rued with the Sheriff within ten (10) days after the date of filina of said schedule. 7. You may also have other rights and defenscs or ways of letting your house back, if you act immediately after the sale. YOU SHOULD TAKE THIS PAPER TO YOUR LA WYBR AT ONCE. IF YOU DO NOT HA VB A LA WYBR OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE LISTED BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. COURT ADMINISTRATOR 4TH FLOOR, CUMBERLAND COUNTY COURTHOUSB CARLISLE, PA 17013 (711) 240-6200 PVRSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED mAT THIS LAW FIRM IS DEEMED TO BE A DF.BT COLLECTOR ATTEMPI'ING TO COLLECT A DEBT. ANY INFORMATION OBTAINED Wn.L BE USED FOR mAT PURPOSE. 95-8585 ,I ALL THAT CERTAIN piece or perce 1 of land .ituate in Silver 8prinq Town.hip, cuaberland County, penn.ylvania, .ore particularly bounded and de.cribed a. follow., to witl BEGINNING at a point on the Southern line of Hu.ton Drive at the We.tern line of Lot 39 on the hereinafter .entioned plan; THENCE along Lot 39 on said Plan, South 17 Degree. 43 Minute. 0 Second. We.t, 494.93 feet to a point at line of other land. now or for.erly of Robert E. Diehl; THENCE along .aid Diehl land North 51 Degree. 29 Minute. 25 Second. We.t, 133.71 feet to a point at Une of Lot 37 on the hereinafter .entioned Plan; THENCE along the la.tern line of Lot 37, North 17 Degree. 43 Minute. Ea.t 447.47 feet to a point on the Southerly line of Hu.ton Drive, THENCE along Hu.ton Drive, south 72 Degree. 17 Minute. 0 Second. Ea.t, 125.00 feet to a pOInt, the place of BEGINNING. BEING Lot 38 on the Final Plan, Section 2, Sample.. Bridge I.tat.., .aid plan being recorded in the Cumberland County Recorder'. Offic. in Plan Book 30, Page 124. BEING KNOWN ae 19 Huston Drive alkla Houston Driv.. UNDER AND SUBJECT to certain re.triction. now of record. BEING the .a.e premi... which Lester J. Zimmerman and Chri.tin. C. Zimm.rman granted and convey.d unto Jeffrey L. Watt. and Po. C. Watt. by Dee4 dated June 18, 1993 and recorded in the Offic. of the Recorder of Deed. for CUMBERLAND County on Jun. 18, 1993 in D.ed Book I 36, Page 895. ,'I WRIT OF EXECUTION .nd/or ATTACHMENT COMMONWEAlTH OF PENNSYLVANIA) COUNTY OF CUMBERLAND) NO, 96-2995 CIVIL 19_ CIVIL ACTION. LAW (1) You are directed 10 levy upon the property of the defendant(s) and to sell located at 19 Houston Dr., Mechanicsburg PA 17055. description. ) DEFENDANT(S) Sae real estate (See attached legal (2) You are all!O directed 10 attach the property ot the defendant(s) not levied upon In the possession ot GARNISHEE(S) as follows: and to notify the garnlshee(s) thaI: (a) an attachment has been Issued; (b) the garnlshee(s) IS/are enjoined from paying any deblto or for the account of the defendant(s) and from delivering any property of the defendant(s) or olherwlse disposing thereot; (3) If property 01 the defendant(s) not levied upon an subject to attachment Is found In the possessilln 01 anyone other Ihan a named gamlshee. you are directed to notify him/her that he/she has been added as agarnlshee and Is enjoined as above stated, Amount Due $219.914.2.7. Interest from 9/12/96 to 12/4/96 $3,036.62 AllY's Comm % Atty Paid $105.60 Plalnlltf Paid L,L, $.50 $1. 00 Due Prothy Other Costs Date: September 11, 1996 Lawrence E. WElker REQUESTING PARTY: Name Carolee Berasi. Esquire Address: 1160 W. Swedes ford Rd.. Ste. 350 prothonorrv JVII OIYISIo: by -j l.uJ I <AJi,U Deputy Berwyn PA 19312 ...llomeyfor: Plaintiff Telephone; (610) 695-9240 Supreme Court 10 No, 53426 REAL EST!i '-I"~ SP I t: I'h I II L. ," II,... ,\,' m~~ll(~1i , I ,'~ .,'J ;'\ , ',t \)0 ...&lf1.. 1.;1., !9?i> tl1tj SliU!1/ 1,/;','" .',. ( Intorest In tho real property flltllal(lIj lil ;J"Q,~':..::::f.,~,~..:j4Tf' Cumborland County, Pa" 1(I~i':t ;;:.1 iHlIII:';;,\! ,;,' ".L~_I:JfJJ)"1J.,~",,,;.f/Av'~ , 'I, i' ;; ., r 'I,:, I rf'Lo,-'.Q~ ,!t1d r"fJl J [Ii!:' . "i,:_.'J 0:1 ~. ~!-Ijr~;t "/,ll fll'~~jd wll:, this writ and by UHf) rcf~'f.:n(:'i i,IC',~':JlI';~:t;d Il,:r:)li1: I,i" \/ Date: 9 - /:l - W. . f]y:~Od~ t8-f ~ LO-'Ft , I' I: 'il :q ,. . 'if !1 .. I (', " , i,' ,: " 1,( " ' .'.'. 'r': " n ,;' , .\//",.,1 ,I, '1',1'" fI-I' ,I j, " ..' . .- . ~ :,' ,},' gs, IIJ ct E 21 ~3S t, '; ,;(;) .:I.:1'il.:I.:. .,j i,.1 ::J,iO Proof of Publication of Notlee In The Patriot and The Evening News an~.d!h!et ~~n!~tp!~t!,~~!:~~~ C","",,,,.w,altll 0/ Penn'lI/vallla.} . Co"ntll 0/ Da"Jlllln HH. "'"...........,,,.,,,,,,,,,kl.i~.t\f~,~J,,,,M!?~,r.~w,,"",,..,,"",,,,,,,,,,belnil' duly sworn accordln, to law. deposee and eaye: Asst. Cuntroller That h.le the ""..""",,,,,,,,,,,..,,,of THE PATRIOT. ~~:WS CO" a corporlltlon orll'onlzed and uletln, und.r the lawl of the Commonwealth of Penna)'lvanla. with Ita principal omc. and place ot buelneee at 812 to 818 Market Stnet. hi the City of Harrl.burg, COllntr, ot Dauphin, Stat. ot Pennsylvania, owner and publllher of THE PATRIOT and THF. EVENING N~.WS and the SUNDAY PATRIOT. NEWS newapapen of reneral circulation. printed and published at 812 to 818 MIlrket Street, In the City, County and State aforeeald: that THE PATRIOT and THE EVENING NEWS and the SUNDAY PATRIOT.NEWS were eetablished March 4th, 181S4. and February IMh, 1917 and September 18th. 1049 reepectlvely, and an have been continuously published ever alnce: That the printed notice or publication which la eecurely attached hereto II eXlctly al printed and Metr.o West 22nd and 29th days publl,h.d In their rerular ~dltlone and I,euea which appeared on the ".""""".",,,,,.,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,.,,, of October and the 5th day of November 1996. .....................,..........................................................................1.........................................."............................................ That neither he nor eald Company la Inttlnsted In the aubject matter of said printed noUce or adver. . tieln.. and that an of th/J anelatione of thia etatement aa to the time. place and chiaracter ot publication are true; and ' Th.t hi hae perlonal knowled,e of the facte aforesaid a d Is duly authorized and empowered to verify thll ltatement on behalf of The patrlo. t.Newa Co. af ~ald ~ virtue and pureuant to a reaolu. tion unanlmoualy palled and adopted eeverany by the atoe Idei' and board of directors of the aald Compan~ and lubsaquently duly re.:orded In the otllce for tt ord, of Deedl In and for said County O~D~::,I:/~~~::.~;n;:~~t:::to:M'" V OIU,~,~.,:,::,~,~~~, :~,~ ~:,.u, ,~"'~".. ~~},~, ,.~..,~,."..."."...,..."......, '~., . ';""., "..'./'.".' '. " . s:orn to and subscribe ore .~ ...,~.~,t.ll.....d.y of .",~, .'. r, ,.n N.Q:v:~.ul!:.rA, D /' 1(/ ,I :" 1wL..:.' ",' ':......0... ' ... "..""..........."".. , , ~'l '....." la", Publle , - , 'r.=' My commi Statement of Advertising Costs S ALE 1123 Cumber,lan.d."Coullty.,.Shex:if,f:o...Qf.Ur;.e" Car ~,l.Al, .te"""" IU~, ^,,""~ .7. Q .t~",,,,,..,,, '" ......" "..."..... To THE PATRIOT.NEWS CO,. Dr. For publish In&, the notice or publication attached hereto on the above atated datee . ..."")~,~,d,9,,,.. ProbaUn, aame ,.......""}.~"~.~,,,,. 189.10 Total ,....."""."..",...."." Publisher's Receipt for Advertising Costs THE PATRIOT.NEWS CO.. publisher of THF. PATRIOT Bnd THF. EVENING NEWS and the SUNDA Y PATRIOT-NEWS, newspapers of general drculatlon, hereby acknowledge receipt of the aforesaid notice and publication costa and cerUfies that the same have been duly paid. THE PATRIOT.Nf:WS CO, Ry "'''""''','''''"."''''",,,'',,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,...,,"'"'' . . REAL ESTATE SALE NO 23 SI,OOO.OOAdvMceCostsPaid 9-13-96 Ally, Carolee Berasa ASlJessed Valuation $ 17,290.00 WRIT NO. 96-299'; Civil Federal National Mortgage Association VS Jeffrey L. Watts and Porn C. Watts 19 Houston Drive Mechanicsburg, Pa. REAL DEBT INTEREST A IT'S FEES WRIT COSTS A TTY ESCROW LATE CHARGE SHERIFF'S COSTS Docketing Poundage Posting Bills Advertising Acknowledging Deed Auctioneer Law LibrlU')' County Mileage Cert Mail Levy Postpone Sale Surcharge Legal Search ADVERTISING Law Journal Patriot Share of Bills Distribution of Proceeds Sheriff s Deed STAMPS Pa Realty Transfer Tax Local Realty Transfer TI.'!: TAXES 219,914.27 3,036.62 " 230.00 189.10 32;79 25.00 24.50 105.60 30.00 12.83 15.00 15.00 30.00 10.00 .50 1.00 16.79 .62 '15.00 6.00 I ,I: ,j; i ! , , " ,'1'1-. ;111!1: i'ill. 11 ;',1 i, I' "III'!t1',!l1 '<11,,'1 "I Iii 'f II II 'I ,- ,! ~ I W,' " I. 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Wl \n I/O ~ Ii <''':'\- <0 (.... ~ - -- -., --- :.1... -~.- . .-- .. :, ~ ~ - ~I ~ .. or, ~ .... oo 0- 0 - " <" .. ''-' .... u ~ .:; - , , ..--.-.. ._.. . .,. a A r I ~ ~ i i ! I I > III ~ ~ :lj ~ :IE I '" '" ;; .. ..: ... :el ~ " ~' , ~ ' IIIIIN IIIQIl,uno:l:lV Jo:t .. " I" " 'J ,... ,.. ;:-; ~ N . ,'0. ~ "'I ).S t'~ . )-' ll'r1i .'... ';:'~ ,...... " '1 ~J ' r. . ~". ~I (i ,p tJl I It.; -. .1~ ' ,C '~~ ""0 ~uJ r.:_~ ';')- :.c< u. ..0 :1 U <1' (.J " , , '.\ " " '1 ... . , , " " , , I I I' I ,I I lo'" I " I PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT YOU ARE ADVISED THAT THIS LAW FIRM IS DEEMED TO BE A DEBT COLLECTOR ATTEMPTING TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. t',I ,I I i u, " ,..,. Ii ,', . I " j. . ,'j , ' I " :1,' .' ,', ' I I I ' I I ," 'I ,y , ,', , ", , , "I I , " \,:l I'; " I I I' ,I .' II I,; " '.f , I,', , I 'I i' I , I " , , ,I , , 'I " , ,t ''I , ' I I '; I 'i i' li:- ,J,' "" .1 , -J!' , 'j' , " ') , " '" " , , ,',' I " 'I . ' SHAPIRO AND KREISMAN BY: NANCY A, WORTH, ESQUIRE AND CHERYL L. VILLAUME, ESQUIRE ATTORNEY 1.0. NO. 60696 AND 70044 SOUTH POINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 360 BERWYN, PA 19312 TELEPHONE (610) 696-9240 S & K FILE NO. 96-8686 . Federal National Mortgage Association c/o Chase Manhatten Mortgage Corporation 4916 Independence Parkway Tampa, FL 33634 PLAINTIFF COURT OF COMMON PLEAS CUMBERLAND COUNTY NO: f/l,. .) 'Iff. ~ .w.- vs, Jeffrey L. Watts and Pom C. Watts 19 Houston Drive Mechanicsburg, PA 17065 I DEFENDANT(S) I COMPLAINT INMOR)GAGE FORECLOSURE Plaintiff, Federal National Mortgage Association, the address of which is c/o Chase Manhattan Mortgage Corporation, 4915 Independence Parkway, Tampa, FL 33634, brings this action of mortgage foreclosure upon the following cause of action: 1. (a) filrties to Mortqaae: Mortaaaee: GMAC Mortgage Corporation of PA M2!tgaaorls): Jeffrey L. Watts and Pom C, Watts (b) Date of Mortaaae: June 18. 1993 (c) Place and Date of Record of Mortaaae: Recorder of Deeds CUMBERLAND County Mortgage Book 1143, Page 961 Date: June 18, 1993 The Mortgage is matter of public record and is inc,orporated herein as provided by Pa, R.C,P, 1019(g), A true and correct copy of said Mortgage is attached hereto as Exhibit "A" and incorporated herein by reference, I (dl Asslanments: Assignor: GMAC Mortgage Corporation of PA Assignee:Federal National Mortgage Association Date of Assignment: as recorded Recording Date: as recorded Book: as recorded Page: as recorded 2. Plaintiff Is, therefore, either the original Mortgagee named in the Mortgage, the legal successor In interest to the original Mortgagee, or Is the present holder of the mortgage by virtue of the above"described Assignment(s). 3. Each Mortgagor named In paragraph 1 executed a Note as evidence of the debt secured by the Mortgage, A copy of the Note is attached as Exhibit "B", 4, The real property which is subject to the Mortgage is generally known as 19 Houston Drive, Mechanlcsburg, PA 17055 and is more specifically described as: ALL THAT CERTAIN piece or parcel of land situate in Silver Spring Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Southern line of Huston Drive at the Western line of Lot 39 on the hereinafter mentioned plan; THENCE along Lot 39 on said Plan, South 17 Degrees 43 Minutes 0 Seconds West, 494,93 feet to /I point at line of other lands now or formerly of Robert E, Diehl; THENCE along said Diehl land North 51 Degrees 29 Minutes 25 Seconds West, 133,71 feet to a point at line of Lot 37 on the hereinafter mentioned Plan; THENCE along the Eastern line of Lot 37. North 17 Degrees 43 Minutes East 447.47 feet to a point on the Southerly line of Huston Drive; THENCE along Huston Drive, South 72 Degrees 17 Minutes 0 Seconds East, 125.00 feet to a point, the place of BEGINNING, BEING Lot 38 on the Final Plan, Section 2, Samples Bridge Estates, said plan being recorded in the Cumberland County Recorder's Office in Plan Book 30, Page 124. BEING KNOWN as 19 Houston Drive, UNDER AND SUBJECT to certain restrictions now of record, BEING the same premises which Lester J. Zimmerman and Christine C. Zimmerman granted and conveyed unto Jeffray L Watts and Pom C, Watts by Deed dated June 18, 1993 and recorded in the Office of the Recorder of Deeds for CUMBERLAND County on June 18. 1993 in Deed Book I 36, Page 895, WHEREFORE, Plaintiff respectfully requests this Court to enter Judgment Jn tkm in favor of Plaintiff and against Defendants In the amount set forth in paragraphs 8 end 9. together with Interest, attorneys fees end for other expenses, costs, and charges collectible under the Note and Mortgage and for the foreclosure end sale of the mortgaged premises. SHAPIRO & KREISMAN Date: May 28, 1996 "I BY: I NANCY A, CHERYL L, ILLAUME, ESQUIRE Attorneys for Plaintiff " S & K File No, 95-8585 , I , . '" ' . TOOEnlER Wlnl alllne lI1lprol'c'nenLI now or h~n'af~r er~.1UI un lIle propeny, Md all easemenL" appuntnancts. and futurea now or hcreall~r a pun 01 lIle propeny, All r~l'la(~,"e"L' and alldlUuns shall allU he cuwroo hy lIlis SL'Curily InsllUmcnL All 01 lIIe loregnrng c; r~krr~d 10 In IIlls S~uril)' Inlllumcnt a, ill~ "Propeny," BORROWER COVENANTS lIlal Borruwer IS lall (1111)' scrs~d ul ille ~IW~ hcr~hy cunvey~d and h'LI lIle right ILl nlOngage, grantl1l1d cunve) lIIe Propen) l1I1d lIlal tlle Prllpert) IS un~nculllhercd, ~xc~pt lor encurnhmnccl ul rccord, Burru"er warranL, and will delend gen~rull) ill~ utl~ ~I lIle Propeny aga''''1 all clJlln' alld d~maJ1ds, slIhjWlo W1Y encumhrwlce,1 ul record, nlls SECURITY INSTRU~lENT "'mhrn~' IIn,fllnn ,o"nanLI lur nallo"a] 1I1C nlld nlln'lInilorr1l CUlenanL, willl hm'loo vnril.ltinn~ hy juris~lL'lilln 10 \..t1n'IJIlJt~ a uniform ~l'(Unl~' in'lIulll~m covt:nng rl'all'rtll'~rt)', UNIFORM COVENANTS. IhllTllller aJI<1 h'rukr llI\'<nJnl and a~:rce Il' Inlhllll: t. Plymtnl nr Prindpul ~nd Inl.r.'1I t'r.pa~m.nland late CharR.', norroller ,hall promptly pay when due ille prinCIpal 01 and Inleresl on lIle d,'hl el'llkneed h) Ih,' NUle and any prqla)lIleJll wId la~ clHl1gel due under lIle Note, 2, Funds rar Tax.s and tnlurance, Suh),'" "I uPI'I"allle law ur lu a IInllL'n IIJlIer h) Lellder, Burruwer ,hall pay to u,nd~r on ill~ day 1II'"l1hl) pa)m~nlS arc rille lIIhkr tllC Nllle, ulllll tllC NUle iI pailllll full, a 111m ("FundI") 1<1r: (a) )=1) la!les ood al:lCSSmcnlS whreh ilia) allam pnllrlly uver tllll Securlt) In'lrUmenl Il. a hen on lIle Propeny; (h) yearly lca.whold payments or ground rents on tlle Property, II ooy; (e) y=ly ha,,,,,d or pruperl)' inll/rooce premium" (d) yearly noud insurance prenllums, it any; (e) y=ly mongage m,uranee prellliums, II 'my; ood (I) any sums payahle by Bllmlwcr ILl Lender, m accordance wllllthc prolisions 01 paragraph 8, in lieu 01 the payment of mon~age insurance premiuml, The:lC iLems are called "Escrow Items," Lender may, al any time, colle.l and hold Funus m an amount nOllO escm lIle llllIXimum amount a lender lor a looeraIIy relalCd mOrl&lIlle loan may require lor Bon'Ower's escrow account under lIle lederal RtaI Eswc Sealemenl Procedures Acl of 1974 u amended rrom lime to time, 12 U,S,C. Section 2601 t/uq, ("RESPA"), unless another law thai applies to lhe Funds selS a lesser amounL II so, Lender may, al any time, collect and hold Funds in an amounl nOI to exceed lIle lesser amount Lender may estimaLe the Bmountol Funds due on lIle basis 01 currenl dala and reasonable estimaleS 01 expendlll11e5 01 luwrc: Escrow tLems or olllerwlsc in accordance willl appllcahle law, The Funds shall be held in an instilution whllw deposits are insured by a looeral agency, insllUmenlalily, or entily (including l.ender, if Lender is such an insUtution) or in any Fooeral Home Loan Bank, Lender shall apply lIle Funds to pay lIle Escrow lLelns, Lender may nUl charge Borrower lor hulding and applying ille Funds. annually analyzing lIle escrow account or verirying lIle Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law pennits Lender to make such a chargc, However, lender may require Borrower 10 pay a une.time charge lor an independent real eslaLe la!l reponing service used by lender in connection willl lIlis loan, unles!: applicahle law provides olllcrwise, Unless an agreemenl is made or applicable law requires inLeteSI lO he paid, Lender shall not be re'luiroo ILl pay Borrower any inLer"-'1 or earnings on lIle Funds, Borrower and Lender may agree in wnung, however, thai interesl ,hall he paid on lIle Funds, Lender shall gile to Borrower, willloul charge, an annual accounting 01 lIle Funds, showinB cre<lllS l1I1d debiLI ILl ille Funds and lIle purpo$C lor which each debilto ille Fund., was made, The Funds arc plooged 11.' additional securily for all sums so.:uroo hy lIlis Securil)' InsllUment If the Funds held hy Lender exceed lIle lImounts pumillCd ILl be held hy applicable law, lender shall accounlto Borrower lor thc CXteS.l Funds in accordance With lIlc requirements 01 applicahle ~w, II lIle amounl 01 lIle Funds held hy Lender al any lime is nOI sullicienlto pay lIle Escrow Items when due, lender may so noeity Borrower," writing. and, in such case Borrower shall pay to lender the amount nClCe5sary to make up lIle deliciency, Borrower shall make up Ihe deliciency in no more lIlan lwelle monthly payments, allender's sole discretion, Upon payment in luU 01 all sums secured hy lIlis SlXurily Insuument Lender shall promptly relund to Borrower any Funds held by Lender, II, under paragraph 21, Lcnder shall acquire or sellllle Propeny, Lender, prior lOthe acquislUon or sale 01 the Property, shall apply any Funds held hy lender at lIle time of acquisition or sale as a credit against the sums sccure<i by this Sccuril)' InsllUmenL J, ApplkaUon nr Payments, Unless applicable law prollde., olllerwise, all paymenLI re<:eivoo hy Lender under pardgraphs I and 2 shall be applied: IirStlO any prepayment charges due under lIle Note; second, lO amounts payable under paragraph 2; lIlird, to inLeteSI due; lourth, ILl pnncipal due; and la'l, to any Iale charges due under the Note, 4, Charlts; Liens, Borrower shall pay all laxes, lI.,sessments, charges, fmes and impoSitions B1tnbUlable to the Propeny which may attain priorily oler this Securil)' InslrUmenl, and lea<ehold payments or groand rents, if any. Borrower shall pay lIlesc obligations in lIle manner prolided in paragraph 2, or il nOI paid in lhat manner, Borrower shall pay lIlem on time directly to the person owed paymenL Borrower shall promptly lumi.\h 10 lender all notices 01 amounLs 10 be paid under lIlis paragraph. II Borrower makes lIlesc payments d11lxtly, Borrower shall promptly lurnish 10 Lender re<<ipL' elidencing lIle payments, Borrower shall promptly discharge any lien which has priority oler lIlis Securily IMuument unles., Borrower: (a) agr~s in wriUng lO the payment 01 lIle ohhgation secured hy the hen in a manner lICceplable ILl Lender; (b) conle.,1$ in good lailll the lien by. or delends aaainst enforcemenl 01 the lien in, Icgal proceedings which in Ille lender's opinion operaLe lO prevent lIle enrorcemerll of the lien; or (c) secures lrom the holder 01 the lien an agreement satislaclOry III lender subordinating the lien to this Sccuril)' InSlnlment II lender deLerminea that any pan ot the Property is subjcctlll a lien which may attain prioriI)' over lIlis Sccurily b~l. Lender may aive Borrower a notice idenlitying lhe lien, Bonowtr sha1I salisty the lien or take one or more .' ollltllCliou l'Qnb~wwi&hitlt. fv(~. 'vinlol' "" :...... . . .".." . . . ".. '. ~::'~l?/~lCvJ " ( , ~. ,~ . " .' ~, '. ., . ..... "', ~ . . . SCHIDULP: "A" ~ ALL THAT CBRTAIR piece or parcel of land .ituate in Silver Spring ~ownehip, Cumberland County, Pennsylvania, more particularly bounded and de.cribed as follows, to witl BSOINNING at a point on the Southern line of BUBton Drive at the W.stern line of tot 39 on the hereinafter mentioned plan; thence along Lot 39 on .aid Plan, South 17 degreee 43 minutes 0 seconde West, 494.93 feet to a point at line of other lands now or formerly of Robert E. Diehl; thence along said Diehl land North 51 degrees 29 minutes 25 seconds West, 133.71 feet to a point at line of Lot 37 on the hereinafter mentioned Plan; thence along the Eastern line of Lot 37, North 17 degree" 43 minutes East, 447.47 feet to a point on the Southerly line of Buston Drive: thence along Buston Drive, South 72 degrees 17 minutes 0 seconds East, 125.00 feet to a point, the place of BEGINNING. .BING Lot 38 on the Final Plan, Section 2, Samples Bridge Estates, said plan being recorded in the Cumberland County Recorder's Office in Plan Book 30, paqe 124. BEING KNOWN AS 19 Houston Drive. BEING THE SAKE PREMISES which Lester J. Zimmermoin and Christine C, ZimmermAn, by Indenture bearing dAte day of A.D. 1993, And intended to be forthwith recorded in the Office for the Recording of Deeds. in And for the County of Cumberland , Commonwealth of Pennsylvania, granted And conveyed unto .aid Mortgagors. in fee. UNDER AND SUBJECT to certAin restrictions now of record. , ,,' h,,";: '~~" .. . . ~.. ~ . ,~n"'/l"'im'. } 55 .' i'; :rll,n.J .. I I) ~l<'~'.. 'Ii' tho;) rt;cordlnJ of n h,"., /\11.,; : II ,r~ C,.u,~~+ '1 ~ \ l :::=-. P..,~~ , ""lft",.1 ~~'" HA ~ /r~ r' . ;;7/.2~ " ~ ., ---7 ~,'e' ..- ,~, . /' ....~ '-" -v I"I.;.\:; ,:.f v.' ( .. ".,', . . , '0 " .1 I.' ''''.. ...; '....', . .. . Ii, .... , ./11., ,<. ~ . , ...., ~". ' . -. . , ~ ~ ,) .' .J - ' " . , , , ' 1,'.'0 "';'''' .... ", to _.,t', '. ~oo~ t 1-\3 f.IGf US7 . .. 'requlrea, 11\0 I.......nc", CIIricr provldln.1he InsIll'lllU IhalJ bo chosen by Borrower lubjel:11O LenOO'lapproval whlc:h shatJ 110I bo IIIIRAlOIIIbly wldlheld, II Borrower f.us 10 IIWnWn covuqe dac:ribcd Ibove. LenOO may, II Lender'l opclon. obIIin l:Ovenae 10 proI.Cl:l Lender's rilhllln 1M Property In 1Cl:Ordarx:e wilh pmarap/I 7, . All insurl\llU polklea IIId renewals shllll bo acceplable 10 l.(fider and shall Include a slllldovd mOl1&oge clause, Lender IhalJ have lIIe rilhl 1D hold lIIe polkies and renewllls. If Lender requires, Borrower shllll prompUy give 1D Len,jer all receipts of pllld premiums and renewlll notices, tn lIIe event of loss, Borrower shall give plllmpl nolice 10 !he Insurance carrier IIId Lender. Lender may make proof of loss if nOI made prompUy by Borrower, Unless Lender and Borrower olllerwi.!e agree In writing, InSlll'llllce pmc~ shall be applied 1D reslOration or replllr of lIIe Propeny damqed. if lIIe reslDration or repair is economically feasible and Lender's securily is nOlle.'lSCned, If lIIe reslOral'on or repair is nOI economically feasible or Lender's security would be lessened, lIle insurWlce proceeds shall be applied 10 the sums secured by !his Securily Insllument, whether or nOI then due, wilh WlY e~ccss pllid to Borrower, If Burrower abWlduns !he Propeny, I)r doell nol Wlswer wi!hln 30 days a nulice frum Lender lIlal lIle insurwlce carrier hilS off~red to scIUe a c1ilJI11, then , Lender may coUectthe insurance proceeds, Lender may use the proceeds 10 repair or reslore the Propeny or to pay sums secured by lIlis Securily Insllument, whelller or not then due, The 30-day periud WIll beg," when the noti(C is given. Unless Lender and Borrower otherwise 3llrce in writing, any application uf proceeds III pnncipal shall nOI e~lI:nd or postpone lIIe due date of lIIe monlllly payments referred 10 in plllllgraphs 1 WId 2 or change the amount of the paymenlS, If under paragrapb 21 !he Propeny is acquired by Lender, Burrower's righllO any insurance policies WId proceeds resulting from damage 10 lIIe Propeny priur 10 lIIe acquisitiun shall pass 10 Lende~ to the e~lent uf the sums secured by this SecurilY Insllumenl immedialtly prior 1D the acquisition, 6, Occupancy, PrtservaUon. MainltDance and l'I'oltcllon of Ihe PropertYI Bonower's Loan Applkatlonl LnMbolds. Borrower sha1loccupy, C5labllsh, IIId use the Propeny lIS Borrower's principal residence wilhin sl~1y days aflet the execution of !hIs Securily Insllumenlllld shall continue 10 occupy the Propeny as Borrower's principal residence for alleasl one year afltr lIIe dIJ.e of OC(upam:y, unless Lender o!herwise agrees In wriling, which consent shall nor be unreasonably wllhheld, or unless e~lt.nualinl circumsllllces e~isl whil:h ate beyond Borrower's control. Borrower shall nOI destroy, damage or impair the Property, III10w lIle Propeny III deltriorale, or commil WllSte on the Propeny, Borruwcr shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun !hal in Lender's good fllilll judgment could result In forfeiture of lIIe Property or olllerwise materially impair lIIe lien crealed by !his SecurilY Insllument or Lender's securilY ,"teresL Borrower may cure such a defaull WId reinswe, lIS provided in pW'agraph 18. by causing lIle action or proceeding 1D be dismissed wl!h a ruling lllal, In Lender's good failll determination, precludes forfeiture of the Borrower's interest in lIle Propeny or oilier moletial impairmenlof lIle lien crUlCd by Ihis SecurilY Insllumenl or Lender's security inltreil Burruwer shall also be in defaul! if Borrower, dunngthe loan application process. gave materially false or Inaccurate mformatiun or S13temenlS III Lender (or failc4 to provide Lender wi!h any maletial infonna1ioll) III conne<:tion willl !he loan evidenced by lIle Note, including, bUI nol limited 10, representations concerning Borrower's occupancy of the Propeny as a prindpal residence, If !his Securily Instrumenl is 011 a leasehold, Borrower shall comply wi!h a1ll11e provisions of lIIe lease, If Borrower acquires fee tiUe III lIle Propeny, the leasehold and lIIe fee tiUe shall nOI merge unless Lender agrees to !he merger in wriling, 7. Protection of Lender's Rllbt., in tbe Property, If Borrower fllils to perform the covenants and agrcemenlS c'lnlained in lIlis Securily tnslrumelll, or !here is a legal proceeding thai may signiflCanUy affect Lender's righlS in lIle f'ropeny (such lIS a proceeding In banlaupu:y, probale, for l:Ondemnalion or forfeiture or 10 enforce laws or regulalions), then Lender may do and pay "for whirever Is IlClCe3SIly 1D prol<<llhe value of !he Property and Lender's righlS in the Propeny, Lender's lICtions may Include raying any sums secured by a lien which has priority over Ibis Securily Insllumenl, appearing in court. paying reasonable ollOmeys' fees IIId enltring on !he Property 10 make repllin, AJIIlUugh l.ender may lake acti,'n under IIlls paragraph 7, Lender dues nOI have 1D do so, Any lUI'Iounl.'l disbursed by Lender under thIS paragraph 7 shall become additional dcbl of Borrower secured by lIlis Security InsllUment lInless Borrower and Lender agree 10 olller lernl.S uf pa)ment, U,ese amounLs shall be'lt interest from Ibe date of d"bursement 31 the NOIe rate and shall be payable, with lore rest, upun notice froml.enller tu lIorruwer re'luesting payment A. Mortllalle Insurance. If Lender rC<juired mung age insurance as a cunditiun uf makmg the loWl secured by Ibis Securily InSllUmen!. Burruwer shall pay the premiums reqnired ILl malll13in Ibe m"'tgage insurance '" erlcct If, fur any rell'on, lIle mort~age insurance coverage required by l.ender lapses or n'ascs Ul be In elfC(l, Rorrower sh,,1I pay UIC premiums re'luired 1O oblol," cuverage sub\tUltially e'luivaklll to lIle mungagc ,"surance previuusl, IJ\ erfect, at a cu.\t subslanually c'luivalelll u. Ille cu.st UJ flurruwer uf Ihe mung age insurance previuusly in erreCI. from an allernale mortgage ,"surer appCllYed by Leoder, If subsl3l1tially equlvalenl mongage IIlsuranee coverage is nol available, Ilorwwer shall pay III Lender cach munlb a slim equal III one-twclflll of !he Ye<llly mOllgage insurance premium being paid by Borro"cr when lIle ius"ran" CIlveragc lapsed", ceased IU be in elTecl Lender will accepI, IJse and relolln these payments IlS a luss reserve III heu ur lIlurtgage insnrallcc, Loss reserve . .eRIPA)iI"" . P.g. 3018 bOO~ U,\3 r~~( 'JG~ form ttJ1l'I/IP u.- 1"1'1'1~.lJ-~- fL.vJ , ~ paymenlS Illay no longer he re'lUlred, althe upllun uf Lemler, if mortgage 1II~,jra/lce cuverage (In the wnounl and for the period that under re'luires) pmvided hy an 'murer appm'e<l hy under again hecumes al'aHahle Will II IIhwne<l, flurrower shall pay the JlrellllllmS re'luired III lIlainlnin lIluflgilge insurall\:e III df<ll, or lu pl<"'lde a lu>> relerw, UIIIII the re'lullelllelll for 1Il0rtgage insurall\:e ends in u<:conlalll:e With WlY "rIIil:n agrecmenllll't"wl Rurrower WId I.ender or apphcahle \;Jw, 9. Inspfclinn, under or ILl agent milY make rc",,"nable enlIles upon and 1I"11I:':UII'lS III Ihe Prupen.y, under shall give Borro"er nllllc'e at the lime of or prior hI an 1II'I'"uon 'pl'drymg rc.:L,onahle c'ause lor the lII'pertlon, 10. Cnndemnalllln, The pmceeds of allY award or claim for dalnages. Hlrccl or consc4ul'nual, in wnneclIon with any condemaallon or other Liking 01 any l'allM the Pr"l'm}, IIr (IIr wn,e} ance In Iku 01 v,lIldelllllall"n, we herehy aSSlglled WId ~hull he paid III Lender, Inllle evenl of a hlLd Liklllg 01 the I'Il,pmy, Ihe I'rltleells ,hall he al'l'hClltullle "HIlS sc.:urc<l hy 1I11S SC<lInly InsllIlmenl, whether ur nul then due, With any e,""s palll 10 Bllrrllwer, In 1I1e cvelllul a partial Liking of the Pruperty III wlllch the fair lIIilIkel value of the Pruperty illl:lledimdy hl'lllre 1I\l' L.klllg II e'lllal lu llr grenler Ihan Ihe allIlIUllluf the '"I1l~ ~eeurcd hy' this SC4.:urity Inslrum.:nl iUlln.:Jiatd)' hdorfo.' lJlfo.' laJ...H1g, unk"i.'i Uurruwl'r alld L.:rHJc:r OUIl:I"\ll'I"l' J/o!refo.' in wriul1~, l1n~ SUlll~ st."l.:un:d by this S",urilY lnsllllmenl sh:1I1 he roouce<l by the :unllunlllf ihe pmeews mulllphoo hy ihe IlIlhl"lng fracllon: la) the UIW l1IIlOUnl of the ,ums secured illlmedialely before ihe I:lklng. <li'lded hy (h) 1I1e fair IIlwkel ,alue uf the Prllpcrty IInmooialcly hefore llIe llII<ing, Any balance shall be paid 10 Borrower, In 1I1e evenlof a partial Liking c'f 1I11' Prllpcny III which the fair markel value of the Property immooialcly before Ille taking is less limn IIle wnounl of the sums SC(ured immooWely before the taking, unle" Borrower and Lender otherwise agree III wrillng or unless applicable law otherwise provi<lc.s, ihe proceeds shall be applioo ~) llIe sums secured by lIlis Securi!)' lnsl1Umenl whether or nOI the sUlns are men due, If lIle Property is abandoned by Borrower, or if, afICr nOllr.. by Lender to Borrower thatllle con<lemnor offers 10 make an award or seuJe a chum for mages. Borrower fwls to respond III Lender within 30 days after ihe wile Ihe nOllce is given, Lender is authoriud to collwlll1d apply the proc<<ds, al ilS opllon, eilller III restorallon or repair of ihe Property or to the sums secured by lIlis Se.:urily Inslnlmenl, whether or not then <lue, Unless Len<ler and Borrower otherwi.se agree ill wflllng. any applicallon of pmcools 10 pnncipal shall nOI cxlClld or pllslpOne the due daIC of the monthly paymenlS referroo to in paragraphs 11lI1d 2 or change the l1IIlOUIll uf such payments, 1 t, Borrower Not Released; Forbearanu B)' Lender Nol a Waiver, Exltnsion of the time for paymenl or modifiClllion of amortization of the sums secured by this Security InSltUmenl grlll1ted by Lender 10 any sucrn50r in inlCresl of Borrower shall nOloperalt to rel-rase the liabilily of the original Borrower or Borrower's successors in inlCresL Lender shall nOI be required to commence proceedings againslllI1Y successor in inICresl or refuse 10 exltnd lime for paymenl or otherwise modify amortizallon of Ihe sums secured by this Securily tnsllllmenl by reason of any demand made by the original Borrower or Borrower's successors in inltrest. Any forbearance by Lender in exercislllg any righlor remedy shall nOI be a waiver of or preclude the exercise of any rig hi or remedy. \1, Successors and AMlgns Dound; Joint and Several LlabUlIYi Co.slgners, The covenanLS and agreements of Illis Securily lnsl1Umenl shall bind and benefil the successors and a.ssigns of Lender and Borrower, subjecl III the provisions of paragraph 17, Borrower's covenants and agrcemenlS shall be joinl and several, Any Borrower who co.signs this Securily Inslnlmenl bUI does nOI execult Ihe Nolt: (a) is co-signing ihis Securily Insl1Umen! onl; 10 mongage, granl and convey thai Borrower's interesl in the Propeny under the tenns of this SecurilY Insl1Umen~ (b) is nol personally obligaled to pay the sums seo:llWI by Ihis Securily Insllllmelll; and (c) agrees thai Lender and any other Borrower may agree to extend, modify, forbear or make any accommodations WiL~ regard 10 the tenns of this Securi!)' InslIUmenl or the Noae WlihOUI llIal Borrower's consenL 13. Loan Charges. If the loan securoo by this Security InslIUmelll is subj"'! 10 a law which selS ",allimum loan charges, and thai law is rmally interpreted so thai the interesl or other loan charges collected or 10 be collecled in connecllon wiih Ihe loan exceed the pennilled lirnilS. then: (a) any such loan charge shall be reduced hy Ihe amoulll necessary to reduce Ihe charge to the pennilled Iimi~ and (b) any sums alreOOy collected from Borrower which exceeded pennilled hmlLS will be refunded III Borrower, Lender may choose 10 make this refund by rooucing the principal owed under the Note or by making a direcl paymelll to Borrower, If a ref'Jnd reduces pnncipal. ihe reducllon wiU be I1culCd as a partial prepaymenl witholll any prepayment charge under the Note, ' t4. Noliers. Any nOllce 10 Borrower providoo for in ihis Securily InslIUment shall be given by delivering il or by mailing il by nt,ll class mail unless applicable law requires use of lII10iher method, The nOllce shall be dirccled to Ihe Property Address or any olller address Borrower designaleS by notice CO Lender, Any nOllce to Lender shall be given by nrsl class mail 10 Lender's address staled herein or any other address Lender designates by notice to Bomlwer, Any nObce provided for in ihis Securily Insb'Umenl shall be deemed III have been given Itl Borrower or Lender when given as provided in Ihis paragraph, 15, GovernlDl Law; SevrrabUlly. Thi.1 Securily tnsl1umenl shall be governed by fedeta1 law and the law of the jurisdiction in which the Property is located, In the evenl ihal any provision or claase of ihis Securi!)' Insl1Umenl or lIle Note IOIlRicu wilh applicable law, such conmcI shall nOI affecl other provisions of Ihis Securi!)' InSb'UmClllor the Note which can be ,iven effecl wilhoullhe conRiclin, provision, To Ihis end lhe provisions of Ihis Secutily lnsl11llllelllllld the NOte I/li declamd to be IllVenb!.:. 11\IlnIIIICIll. 110_. IIIIaU nol eaen: det it eaen:ise pro/Ilblled by lederallaw II 01 e dale or lhis Sec:uril)' IIIJlnImenL rr Lender eacn:1Jea lhls OIlIlon. Lender sIIaIl.iye Borrower nOliee or lICCelerallon, The noIice shall provide a period or nOllw lIIan 30 days lrom II14l e1a1e Ihe notice Is deliyered or mailed within which BOROwer must pay all sums secured by this Securil)' Insll\llllenL Ir Borrower llib 10 pay IiIe.'Ie sums prior 10 the eapiration or IiIIs period, Lender may invoke any remedie.l pennlw:d by IiIIs Secunly Instrumenl wllhoul lunher notice or demand on Borrower, tl, Borrower's Rl.hllo Relnslale, II Borrower meelS certAin conditions, Borrower shall have the righl 10 ha\'e enlorcemenl 01 IiIis Securil)' Instrumenl discontinued al any time prior 10 IiIe earlier 01: la) 5 days (or such oliler period as applicable law may 5JlCCir, lor ~inslalemenl) belore sale or IiIe Propeny pursuanllO any power 01 sale contained In this Securil)' In5trumen~ or (b) entry 0 a judgmenl enlorcing IiIis Securily InslrumenL Those conditions are IiIat Borrower: (a) pays Lender all sums whIch IiIen would be due under IiIis Security Instrument and IiIe Note iLS II no occeleration had occurred; (b) cures any delaull 01 any oliler covenants or agreemenlS; (c) pays all eapen5C.I incurred In enforcing IiIi5 Securily Instrument, mcluding, bUI nOllimill'A 10, rl'monable alll)meys' Ie.:s; I1I1d Id) lakes such action as under may re",..mably require 10 lISsure lIIal IiIe lien 01 IiIis Sccurily Instrumelll, under's rights in lIIe Prllp.:ny and Borrower's obligation'll) pay IiIe sums ~ured by IiIls Sccuril)' tnstrumenl shall continue unchanged, Upon remSlatement by Borrower, I)US Security Instrumem and IiIe obligations ~ured hereby shall remain lully crlC4tise iLS II no accclerauon had occurred, 1I0wever, IiIis righlll) reinSlate shall nOlllpply in lIIe case 01 lICCeleratiun under paragrllph 17, t9. Sale of Nole; Chinle 01 Loan Sersker. The Note or a partial interesl in lIIe Note (lOgeliler wilil lIIis Securil)' Instrumem) may be sold one or more times willloul prior nollce 10 Borrower, A sale may resull in a cbange In lIIe entily (lutown as IiIe 'loan Servicer") lIIal collects moolllly paymenls due under lIIe NOle and IiIis Securily Insltumenl. There also may bo: one or morc changes 01 lIIe Loan ServiC(r unrelated I1J a sale 01 lite NOll:, II lIIere is a change 01 IiIe Loan Servicer, Borrower will be given wrillell notice or IiIe change in lICcordance wilil paragraph 14 above and applicable law, The notice will stale IiIe name and address 01 lIIe new Lc.an Servicer and IiIe address 10 which payments should be made, The notice will aI50 conl4in any olher Inlormation required by applicable law, 10, Hazardous Subslances, Borrower shall nOI cause or pennil lite presence, use, disposal, slOrage, or release 01 any Hazardous Subslallco:.! on or in lIIe Prop.:ny, Borrower shall nOl do, nor allow anyone else 10 do, anyllling aflecting lIIe Propeny Iilalls In yiolation or lIIIr EnYirunmenlaJ Law, The precedmg IWO sentences shall nOlllpply 10 lIIe presence, use, or slOrage on lIle Properly or small quanuties 01 Hazardous Substances lItal are generally recognized III be Ilppropria~ 10 nonnal residenlial uses lIIId to main~nance 01 dIe Propeny, Borrower shall prompdy gIVe Lender writlen n!Jtice 01 any Inyesligauon, claim. demand, lawsuit or oilier actioo by any goyernmental or regulalOry agency or priyate pany inyolYing IiIe Propeny and any HI1.ardous SubsUlllce or EnYironmenlaJ Law 01 which Borrower has actual knowledge, II Borrower learns, or IS notified by any governmenlaJ or regulatory aulltority,lItal any remoyal or oliler remediation or any H3I.ardous Substance affecting lIIe Prop.:ny is n"essary, Borrower shall prompUy ~1ke all necessary remedial aclions in accordance willi Environmental Law, As used in IiIls paragraph 20, "H3lNdous SubslalIces" are 1II,)5C substanco:s defined as IOxic or h3lNdous subsl.1/lces by EnyironmenlaJ Law and lIIe 1.>lIowing substances: gasoline, kerosene, oilier llamOlable or b}xic peuoleum produclS, IOxic pesticides and herbicides, volatile solvents, OIalenals containing a.shesll)S or lormaldehyde, and radioactive matenals, As used in lIIis paragraph 20, "EnYironmenlaJ Law' means lederal laws and laws or lIIe junsdiclion where lIIe Prop.:ny is located lItal relale 10 health, safeI)' or environmemal prolC(lion, NON.UNIFORM COVENANTS, Borrower and Lender lurther coyellanl and agree a~ lollows: 11, Acceleration; Remtellts. Lender shall RIYf nollce to norrower prior 10 acceleration lollowinlllorrower's breacb of allY covenanl or alreemenl In Ihl, Securlly tn.llrumenl (bul Dol prior 10 acceleralion under paralrapb t7 unlesl Ippllalblt law proyldes olberwlse), Lender shall nollfy Borrower of. amonl olher IhlnlS: (a) Ibe defluhl (b) Ihe Icllon nqulrtcllo CUrt Ibe ddaull; (e) when Ibe defaull musl be cured; and (d) Ihal faUure 10 cure Ihe ddaull as speclnr.d Dlay rauh III accelerallon of Ihe 'urn, secured by Ihl, Securlly tnslrumenl, forf<l~ure by judicial proceeding and sale of Ihe Properly. Lender shall furlher inform 1I0rrower of Ihe rlRhllO relnslale afler ".elerallon and Ibe riRhllo 15o"rlln Ihe roreclosure proceedlnllhe non.ulslence of a defaullor allY olher ddense of norro"er 10 accelerallon and foreclosure, If lhe defaullls nol curtel as specified, I.ender, al II.; opllon. may require Immediale paymenlln full of all s~ms securtel by Ihls Securlly Inslrumenl "llhoul furlher demand and may rureclose Ihis Securlly tnslrumelll by judicial proee.dln.. Lender shall b. eOlilled le, colle. I alle'pen,", Inl'urred In pu"uio~ Ihe remedies pro,lded In Ihls paraRraph 2t. Includlnl, bul nollimlltel 10, alle"ne).' rees and .."Is or lill. e,ldence 10 Ihe "Ielll permllled by appli.ablelaw, 12, Release, Upo" paymelll 01 all sums ,,'cured b)' IhlS Securil)' Instrum,'m, UIIS S",'uri,y Instrument and the eslate conseyed shall lemllnale and heenllle ,,,,d. AHer such lKeurren", I.ender shall d"charge and saUsf)' litis Securily Insl1Umenl WiltHlut charge to Unrrow~r, BO"ll~a shall pay :m> n:(llrllatiulIl'(I\t.'. 13. Wahers, Borr,)wer, bl lhe e>lem p.:nnllled by applicable law, waaes and rek.lses any error Ilr deleds io prnccedlllgslo enlorce lIIis Se.:urll), Instrumeol, and haeby "'",,'e.s lIIe b.:uelil 01 any present III IUlllre laws plllsldlllg fill Sla)' or "e(Olion, ellensilln III ume, cxcmpuoo lrom at~lchmelll.le\y and sale, and homestead exemptllln, e.'RtP"'),o,,,, . P.~.",,\ flf'1. bOO~ 1 UJ FI.~t oJ )oJ Form ~ "1"0 ,,,,,.,~z.y..L~ LOAM'I 1-980332'11 14, Relnstalemenl Ptrllld, Borrower's time lu rein'IaIC' prlJ\'id~,j in para,raph 18 ~hail ellCnd III one hour prior lu the commencement of bidding ala shcrirr, :\3le or olher \3le PU"UWIl 01 lhls Sc.:uril)' Insl1UmenL 15. Purchase Mont)' J\IorlaaKt, If any of lhe debt Sl'Cured by ~Iis Securlly In~l1Ument IS lent III Borrower 10 acquire tille to the Property, this Sl'<:orilY Insl1Um~nt shall he al1urcha.\C money nwngagc, 16, Inlrml Role Mler Judamrnl, norrower agrees thaI !he m~rest raU! payable af~r a judgment is en~rcJ on lhe Note or in anllCtion of mortgage foredllsure shall he lhe ralC payahle fmm time lulillle under the Note, ~1. Riden 10 IhL~ Securlly tnslrumenl. If one or fIlmc ridw arc e,cculed hy Bnrrower and r""mued logether wi!h lIlis J Securil)' Insl1UfIlcul, lIle ['l\enanL' and agrceml'nL' of ,'uch "",II "d~r ,hall he 1II,"urpur3lcd mO.l and shaJl wncn,l ,UlU sUl1pkmem !he covenanLs and agrcem~nLS of !his Securily Insl1Umem a., if !he "d~r(sl were a part of !his Securily Insl1UlIlenL (Check applicable ool(esll o Mjllslallle Ra~ Rider 0 Cl1ndUnllnium Rider C J.4 Family Riucr 8 GraduatedPaymelll Rider [J PlanncJ lInll Dcseh'l'fIlent Rider 0 B1wc.:kly PaYfllenl RIIler Balloon Rluer 0 Rate Improvement Rluer 0 Second Horne Rider o VA Rider 0 Olller(s) ISl"'Cifyl BY SIGNING BELOW, Borrower IlCcepu and agrees to thP. ICrrns and covenants conlllined in this Security Insl1Urnenl and in any rider(s) elecuted by' Bo w orued with iL (~)" Wlblesse , ~'" I"-=-' ., 1 'T'k"~ , ~ .)fA '- hi- 'l ~ ~f.kwATT? " (Seal) .Borrow.r (Seal) .Burrow.r (Seal) _(Seal) . Barrower -Rorro....'cr Certilkalt of ResideD,\, C\ ,,\ ~ ' J. ~~r \ IN. the within.named Mongagce is 8360 OLD Y a~ S .LKINS PAnKo PA'i.l17-1590 WilllC5S my hand this , r- day of '1 , do hereby certify thalllle correct address oC Alent or MOr1,IICI COMMONWEALTH OF PENNSYLVANIA, On lIlis, the I J H-. day oC' personall~ appeared JunlY L. WATTS CtlMBlRI.AIlD COUDI)' SS: JUNII . 199 3 and POM C. WATTS. hi. wife , before me, the undersigned officer, known 10 me (or satisfaclOrily proven) to be the 'person (8) whose name. All. subscribed to lIle within insl1Ument and acknowlt.dged that 'rH.Y execuled the same for the purposes herein conlained, / IN WllNESS WHEREOF, I hereunto sel my hand and official seaJ,~':::' . .. ~ My Commission Elpires: _~ ~. :!!;,..':.. ...:'~ " ' ...... ,.,'. ,;' '... t ' ~.:. ... \ ,,,,~ ,,,,,, ~.' .. j~~:""'~~"~""" '. . ,~- . ~"""';J"";..'Pt.~{. ;. ,.......:a ~, . 11 NOU'TO. Dlrw ..awllcaVla 1".....'''..,...1 nOli .' 1,', ,.;~.,V~..1 ' .. I, I"UIII'U'S ra"MISF. TO PA~ In trlL&m Ii., . Inlll ihIll ha\t ra:eIH'd, I prllmllof k) pI~ l/,S , .1H'UW.1~.).l'lu, In~rt$l. "l!he un.lt., I)' W l..tndtr. The L"cfkk, ,S Ill, 100,00 Utll\ .,nuunl .. ,..11,',1 QMAC MOITGAOI CO.'ORATIO. O' fA I undrrt.ll:.1 IAaIIhc l.clkkl IN) 1nn,ltr Ill,. Now. T'ht l.tnJtr'"If 1Il)IHlC ..t\I;llAtl \hli 'llW b) U'an~h:, and ..htJ II cnuLkd lu" ,':1\': p')mtnb ur\lkr lhu Nuk IJ calkllS IIw "Null HOMk,. I, l~nMt:ST Inltl('\I"11I ht rhll',rd Iln UIIJ\lIJ 1'r1IkIV'" ullullk lull amoUflllllj'flnf'111,d hJ,., h..'4.'n fllllJ I '*dl ~'oI) LIllC'Jl.'\l 1M I )t",l) flit 0' ",UI " The Inkrt:\1 f;lit r(~Uln'<J h) chl~ ~H'l,Upn : 1\ lh(' talt r "I~ r"~ huh t~.'rllt( i&Ild Ollll:r.ul) J,:11ult 4.:\&.""'-',111I Sf',ULJII I')tbl'lllhl'~lJlII ), PA ~..t:~" IAI TI""..d I'\M',,.,, Pa'lnl'ftl\ 1110.11 PO\ pnn~'lpaJ and lIiU'thl b) nloliln~ IUI)llItnL\ ('~('ry mumh \ "Ill ~c "') llklJlchl)" pll)n1cnb un Ihc ht lob) u( tokh munlh hclilflnlnll un AUGUST 01 , I"" , I ..,II mu.c lhtiC p.lI~menl.\ c~cr)' n.'mlh unoll hlt~e p..d I1lllf lh: PMl:lflllJ iN IIUtr~'1 Wid iUl)" Illllc, ~hlU'lIe1 wnhed heh,.. Ihall ma)"' lI\1lot unJu chIS NiXe, M) '",-Huhl)"' pt)mtnLS ..ill be IpIlIJtd 10 lIlCtrcM bcfoo.: pnnoplll, It. IIn 07'D'L't 01, 20:U. .1 lUll ilIU amllunl.5 under lhl.5 NlICt.I",1I pa) lhullt ImuunL' In hIli on Ih~dalt, ..h,~h 15 ~ lhc ~M.lIU11I)"' O.alt." I _W mike my mJCllhly ~)"'maIl1l1 1110 OLD YOlK 'OAD, aLll.' 'Aa&,'A 1'11'-11'0 or..dlrr.....pItot~""lWIedb1....__. II) A....' of -..., Po,..... M)"' moruhly payment ""IU be in the amounl or U,S, S ~,IOIIOWEI'! RIG'" TO raEPA~ I havI the riShl1D mike pe.ymmts 0( principii II any DIne berore lIMy 1ft due. A plyrncnl of pnncipll only " kau...n u . -prqle)"rneftl-. Wh!n I mae I prqJI)'mtnL t ...11I .U dw NOll Holder 1ft MlWI, 1hII1.,. douI,lO. I may nW:r ol (ull prtpa)ffi(nl or paroal prtPQ)mcnlS .ithoot p.)Ul' iUly prl1'lIyment d\ll,e, 'l'bf NlItr Hllldn' wall 1l\C .lI11I! m) plf,~pJ~mrnb In ~JU(C' thr .1fl1ounlof [mJl(1(laJ lhat I o..e l,mJel thl~ 'lJt.r III m~c a pMUI rtCrJ~n\tnL there ,*,11 be rill dlallliC' In th~ due lUte In In thr amllunl o( m) monthl) pll)mcnl unlc~s the ~ot.r Huhlrl 1I~'lXS an ...nun" III tho~ ctl>>lIts. 5. LOAN (.'HARejL\ If . lot..... ....hM;h J(lphc~ w this luan amI ..hK" '\tU tnlUltlIum loan dwges, 1.1 rull1lh mltrpttltlJ 11) that lilt IJtltr(~t ur other loon ~harlie~ ~.uUatoJ ')r 10 he (I)11a1N In ..:unno.:unll ..,lh !tllS Kiln el":CbJ lht prnnllIL"d IUllIU, lhcn' (I) any IUCh lo~ ,houit ,hodl be rwu..:eJ hy !.he amounl n..~cJSJt)' to 'NU":C the dlarllt U) lAc pcnnlu.c.J limit; anJ IU) any ~ums Wte;W) ":lllll).;~ (ftlm me Vrhkh uu~dcd ptmllUtd um'L' ....'U he rdulltJcd 10 me, The NI~ H"IJer may Ct\&).)5C In mukc till' rclunlJ by rWucUli the pnn..:,p;&) I l)..e under thl~ ~otr 11' h~ m~IJlW 01 ~U'I".l.'t ra~m~nl III me Ir a refund ,cJu..:u pnn":lpw. lhc ,cd~oon WIll Ill: l1t4Itd U II pIVUaI prtpa)mCnL 6, 10.IOWER'S fAILl'ME TO P.H AS UlJUUO (AI Lll. C_II.. ror O\trdu. h,mflUs If Ulc NOle Hulde, ha.'i nnl ro.:mCtllht' lull ;utlllun( Il( any mlmthly r,)~mct11 by lh~ CAIJ n( lIS 'al....n..w da), aile' lht WIlt 'll~ due, I wall p.1y 0I1atc ,hvge III the NUll! Hulda, The amuunl of tht. ~-harl(e ...111 be 5.00 '\ or my ovC'rdue paymenl o( princlpW anJ IIIltte5l1 ....t11 pay thiS Ioul dWlre prumpuy bUlllRly un...:.: on (.lII;h btt pll~mCl1l II) 1kI..M 1I1 dlJ not plY" (WJ amount or ath monthly peymetlt on the _ II w due, I 'lrlU be '" lIf(ilWL Ie) ~oI'" of Iltft.M I( I am Ullk(lUlL. the: Nolt Hllld('J may wnd me I .....ntrm nouc.c Itllin. me Ih.aIIII do nOl PI)" the o"'"duc In'Hunt b)"' I ccn.un tJaCt,lIle Noce Holder may rtIoIuirc me In pay unmcdlWf.ly the (ull amounlll( pnnclplll ....hl(h has nol been pwJ Ilnd all lhe IIlltn:st lhal 1 tW,e on thlt amllunt. Thai date mU11 be lU lC4!t 10 11lI)!o afltl the dalt un ....hk:h the ooUcc iJ tJell'lerN or m.tlli:d lnmc. lOt NQ WlIh" By Nul' Hold" E"'cn 1(, .1 II omc ....hen I am In JcfolUh, lh( NIllt HI/likr dun IIl/t rcqtlUc me In pay ImmcdJalL'ly an (ull.u tlc.lIo:nbl.'J IIN.V, 1tI~ ~Oli.' H,lMer "III ~ull h,IH~ the n~lllln 1111 '\0 If I wn In tldJlllt III a la\l'r IJrnc n:, PiI,m,"I 1I( ~lIlt UlIldu'! CIl~L1 i1nd I::'p,n\n I( thl: ~OIIC UIlI..kr ha., ''''4!lIlreJ me 11.1 ra~ Hnlll~'.h"t..:I~ 111 lull ,l.' J........nhcJ "tll~\I', th~ ~1Ill.' Hohkr IAoIJlllayc the f1~ht 11.) he paid tlJl.k \"I) me (Of all 01 IL' ~11~l1 aJld e~rcnw~ U1 tnlor~LII~ thl' r"\1Itl-' (I) the 1.'\l&:1II 001 pmhlhlll.J by lIprheatlll.: 1:&.... Thll...... r\III.'n~c~ lIldUlk, fur C\,Ulll'!.:, r,',,"I/1,lhk Jl(lmlc>,,' k~'\ 7. (jJ\'IS(i 01" 'UIU'.:S L'nl.:" Jl'l'lh.Jt>k l..'>lo re~lllt.:'i J \1111..:,.'111 111,'11111,1. oUl) lI,)lJ~': lllJllIllJ~11'-.: )l1''':1l iiI 'Il>: ulid.:r till" Nul'" "Ill he ill\':" b) <Jd,~..:tlll~ llllt h) m,uhl1~ II \"I) lihl d.." IlIJ': hI nlr.: Jl tll": PrllPI.'tl)' Ad,I,,"" ,,~IH' llt;ll a dltkt.'nI Jlldr~'\, ,( I ~l"'e the NIIU', 1l11I<Jeranoll":cilfm),llIk''':IlIJiJilr..',, An) nuuL'C thai mU'it hi: IIl\cn III th~ Nul&: UnlJcr unl1~', Lhl.~ ~1"C "Ill he ilH'1l hy lll.ullll~ It h) hnl ~1J.).i mwllh the Nnlc UiJhkr 011 the 3IMt!!,.. q.II.cJ III SCllJl1n 'tAl olt'ltl~e I,1f al a J,tkh'nl ....M"."I II I JJlI III\cn a nlltKc lIt t,hul tI,H~'ent aJl1rt:". 1, S".II IIU~"'''II 'IUO Ill" lIIon ".IA ,,'n.l' ~,,~.~...... '1II1Il"'HUIlCUMIPO".IM'HlUlIlrM' hl.'." ~w,' wC~'r.",t ~ll"WS ,1' "1'1 .'r..- .' '/,r,., ''''''lit..... "'!'l1" I,ll ,,'.. 'J1!tV . ftr../.l- ... '" -""'"'''' .."'... _ __lIIiI_ t. WAIVIU I "'" ., _ ........ olio "'" oIlII._ ..... "'.. N,* ..... .... n.h. 01 ......._, "'" '"""" 01"""""'. .Praatunml. II'lCAnI dlc ",hi kJ fQluvt b NOCI lfl,)kb .. dtmMd plymml oIlf1MlUnCI dUll, -Nuucc 01 ch.... .... &he ",hi 10 NquWc "" N&* Ha*kr &0 I'Y' null(~ k'll)tha pennn. ..... Imt~tl dUt hive ~)f. hftft pIW. 10, l'NlrORM Sl:l:lRW ~1lTf. nlll NI* '51 wHfHfm Lnllt'lun(nl...1h 11ItI11td "'.lIUtNl' '" "'M'~ JW'IMJM.UtJlU. In ~1Jl)f'I k> the pn_LkJnIllun 10 IN NUll: HIIJdtr Iml\cr lhl\ Nt/Lt. . MII",,,c. [kaJ of rru.... u, Sn;UIlI) lktd IW "!klunl) Inluumenl"), ~ w umc dMt .. Lh~ NOli, pwtca:b 1M Nnlt lIuldtr hum pn.\lblt kl\K6 ",h...h mlMhl ,~,ulllllllo nUl ~cqJ &he pmmlAr1 ~hM:h I mah in &tll~ NOtt, 1"hIe So;UI1I) Inwwntlll bnbu tM,. Iftd wWa 'AhII unllU0n6 I "") be 'o.&uuc.J lu milt lIJUTWd11llC pI)mtnllft ruu IJr aU .wnounl.ll U'llof unJcr Itll.. NoIt. Sume I,f lhllfat ,ontIllM,... ~ lka..:nhrlJ"1 '1IIkn..: Yr."'''' of IIN Proptrt) or. ..t...,lnl"... '" lorro.", If all I)' In) pitt lJf 1M Prupen)' or In)' UUtlUSln It lS 1I.)1d or InnslenN fOlll. tk'lIt"1\(wllll.tr,,, In 81WTt)v.cr II "lid IN' lrar...(tncJ alii! R,m)",n LA noI' ~ ptrwn) YtlthaMJIl..rfllkt'. pour ..Tllltn wrntnL, l...tndc, In,), II 11,1 IlptlC.ln, I~U"C UIlIlloWUWt ptymtnlln rull of iUI 'urn a w....wc.J tl) UtL'l Sn.UIlI) In~lIlJmrnt. fi'IVwr~tt, lhll HJlunn Wall nlll hi: urr~l~d h) u.wcr .s fURL\( lA pfUhl"II~.j b) kd<!r;aJ 11-. Ib nl Iht d.1lt III lhl' S('(unl~ Imll'\lIlltnl If Ltlllkt tlCttu,u IhlA "1'111111, LenJer Ih.alJ 'I~C 8t1mll/trt nUIJl,;C Ilr .I.dttalllln. lbt nutke ih&U PfU". . rcnod III 'lilt Ic',\ ttuan "J tJol)'\ ll'l)m lhc .lat&.' tht nuu..t I~ aJdl~rrtaJ Of f11411l'lJ "lltlln 'Ilohl(h Burrtl'llo'ef mUll r') all IUlna5h.:wcaJ h) Itll.\ Snl!t1l) In)\1\IRltnt.1I hllrT\\~...t rlUl~ III pI,I) Ihc!>( 'Utll~ Ilollr tlllh, up"~llm uf !hll pennJ. Lender IN) Il'l\ukc an) R'ml'lf~. prnnlu.cd by Um 5Cl.'UtlI) In\lI\Imtltl \IInt".)u! hmll!.'r fII)Ul;(' or lkrn.rul un BOtN"Cf, J WI1NESS lllE HAND<5) AND SEAUS) OF 11lIi UNDEIISIONED, ~'e { -- ~:~:. ~ ,0 . ~" ,':. '~~~. SS~ / '11- Ie.. No I .' ~~ (SolI, ......" (....) .raorr.." ISc.l) ,10m'"''' 55N. ." , SSN: IS...) .a.mo." ISi,,. O",lII4I Chd)J ~'IA"la.e' , , '.I.h,. ,........... .,; . r SHAPIRO AND KREISMAN SOUTH POINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD. SUITE 350 BERWYN, PA 19312 TELEPHONE 16101 695.9240 FACSIMILE 16101 695.9256 ACT 91 NOTICE TAKE ACTION TO SAVE YOUR HOME FROM FORECLOSURE The Commonwealth of Pennsylvania's Homeowners' Emergency Mortglge Assistance Prog'lm may be able to help you, Read the following notice to find out how the program works, If you need more information, call the Pennsylvania Housing Flnlnce Agency at 1 18001 342.2397, LA NOTIFICACION EN ADJUNTO ES DE SUMA IMPORTANCIA. PUES AFECTA SU DERECHO A CONTINUAR VIVIEN DO EN SU CASA, SI NO COMPRENOE EL CONTENIOO OE ESTA NOTIFICACION OBTENGA UNA TRAOUCCION IMMEOIATAMENTE LLAMANOO ESTA AGENCIA (PENNSYLVANIA HOUSING FINANCE AGENCY) SIN CARGOS AL NUMERO MENCIONADO ARRIBA, PUEDES SER ELEGIBLE PARA UN PRESTAMO POR EL PROGRAMA LLAMADO "HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM" AL CUAL PUEDE SALVAR SU CASA DE LA PEROIDA DEL OERECHO A REOIMIR SU HIPOTECA, ACT 91 NOTICE IMPORTANT: NOTICE OF HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM PLEASE READ THIS NOTICE YOU MAY BE ELIGIBLE FOR FINANCIAL ASSISTANCE WHICH CAN SAVE YOUR HOME FROM r:ORECLOSURE AND HELP YOU MAKE FUTURE MORTGAGE PAYMENTS Page 1 [XH161 r .'(!." r I DATE: APRIL 24, 1998 RE: Federll National Mortgage Association Property Addresa: 19 Houston Orive, Mechanlcsburg, PA 170155 Loan Number: 0004107535 Our File Number: 95.8585 TO: Pom C. Watts 19 Houston Drive. Mechanlcsburg, PA 17066 FROM: NANCY A, WORTH, ESQUIRE CHERYL L. VILLAUME, ESQUIRE You may be eligible for flnanclalosslstance that will prevent forecloaure on your mortgage If you comply with the provisions of the Homeowners' Emergency Mortglg. Aulstance Act of 1983 ltha "Act"), You may b. eligible for emergency temporlry auistance If your default hes been caused by circumstances b.yond your control, you have e reasoneble prospect of resuming your mortgage payments, and If you meet oth.r eligibility requlr.ments established by the Pennsytvanie Houalng Flnanc. Agency, Pi.... r..d ell of this Notice, It contains an explanation of your right., Under the Act, you are entitled tn a telT'pc'ery stay 01 lore closure on your mortgage lor thirty (30) days from the date 01 thiS r.:Jtlce, DUring thot time you must arrange and attend a "Iece.to-Iace" meeting With a representative of this lender, cr With a deSignated consumer credit counseling 3;"r:\I, The purpose of this meetlrg IS te attempt to work out a repaym.,;t plan or t: :~~ er','!lse settle your dellnQuenc, ThiS meeling must occur in the next thirty 1301 da, s, II you attend a lace to, lace meeting with t~'s lender. or with a conS'Jmer credit counseli11g agency identilied in this notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting. The name, address and telephone number of our representative is: SHAPIRO AND KRE!5,,'AN SOl.iTHPOINT OFFICE CC',lPLEX 1160 WEST SWEDESFORD ROAD. SUITE 350 BER'NYN. PA 193'2 TELEPHOr,E 16101 695.? 240 FACSIMILE 16101 695.S256 n'e names and a'~dress'Js of c'" J"J:,,:j '::-: _-'10r cred.t counseling agencle,;' are sho....n on the attac.he,j sheet.. It '5 onl{ nec, ,;)' y to sche()lJle one lace.to.face mcc:,ng. You should a::','lse troiS Ier:s. Imrr",'j J': .:f yeur Intentions, Page 2 Your mortg.ge I. in deflult beclu.e you hlvl filled, to PlY promptly In.tlllmlnt. of prinCipII Ind Intlr..t, I' required, for I period of It ,...t l!lcty leo, dlY', Th. totll Imount of the delinquency I. .25,787.69, That lum Includl' the following: monthly plym.nts of .1,836,91, monthly I.tl' chlrges of .68,48. plus In escrow Idvance of . 2,903,01. Your Mortgage is also in default for the following reasons: (use this paragraph only If applicable) " you have tried and are unable to resolve this problem at or after your face,to. face meeting. you have the right to apply for financial assistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this. you must fill out. sign and file a completed Homeowners' Emergency Assistance Application With one of the designated consumer credit counseling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency, The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania HOUSing Finance Agency, Your application must be filed or postmarked, within thirty (30) days of your face-to.face meeting, It is extremely important that you file your application promptly, If you do not do so, or if you do not follaw other t'me periods set forth in rhis letter, foreclosure may proceed against your home irnmedi,uely, Available fur:ds for emergen,:y rno~tgage assistance are very I,m,tpd, They will be disbursed by the Agency under the eligibility Criteria established by the Act, It is extremely Important that your application is accurate and complete in every respect, The Pennsylvania Huusing Finance Agency has sixty (60) days to make a deCISion after it receives your application, Dlmng that additional time. no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above, You will be notified directly by the Agency of its decision on your application, The Pennsyl'Janla HOUSing Finance Agency is located as 2101 North Front Street Post Office e,ox 8029, Har"sbu-C) Penns"I'Jat'1la 17105, Telephone ~.o, (717) 7<30. 38CO or 1 :80: 342.2397 Itoll free numberl. Persons With Impaired hearl.,g can call 118001 342.2397, Paaf) 3 6C.T,1 AGENCY L18n~ PENN'YLVA~'A HOU$ING FINANCE AGENCY HOMEOWNERS' EMERGENCY MORTGAGE ASSISTANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ACORN HOUSING CORPORATION Altoonl, PA 16601 846 North Brold Street (814) 946-3651 Philadelphil, PA 19130 FAX: (814) 946.5451 (215) 763.2333 Contact: Paul Rennie FAX: (215) 765.1427 Counties: Adams, Blair Contact: Allison Hughes Counties: Bucks. Chester. Delaware. Montgomery. Philadelphia ACTION HOUSING. INC, 2 Gateway Center. 9th Floor Pittsburgh, PA 15222 (4121391-1956 FAX: (412) 391.4512 Contlet: Llrry SWinson Counties: Allegheny. Beaver. Butler. Fayette. Greene, Washington and Westmoreland AM CREDIT COUNSELING INSTITUTE 144 East Dekalb Pike. Suite 100 King of Prussia. PA 19406 (610) 354.9922 Countlea: Bucks. Chester, Delaware, Montgomery, Philadelphia AMERICAN RED CROSS. HANOVER CHAPTER 529 Cerlisle Street Hanover.PA 17331 (717) 637-3768 FAX: (7: 71 637.3294 Contact: Stcphanle Calp Counties: Adams. Franklin and York BLAIR COUNTY ECOtlOMIC OPPORTUNITY COUNCIL 5433 IndJs:-,al Avenue BOOKER T, WASHINGTON CENTER 1720 Holland Street Erie. PA 16503 /8141453-5744 FAX: (814) 453.5749 Contact: Bob Huhta Counties: Crawford. Erie Ind Warren BUCKS COUNTY HOUSING GROUP, INC, 140 East Richardson Avenue Langhorne. PA 19047 (215) 750-4310 FAX: (215) 750-4318 Contact: Pat Dyson Counties: Buclo.s Only BUDGET COUNSELING CENTER 247 North Fifth Street Reading. PA 19601 (215) 375.7866 FAX: (215) 376-6575 (Mlin Office) Contact: Deborah Strunk Counties: Berks, Chester. Montgomery end SChuylkill CENTRO PEDRO CLAVER 3565 Nortr Se ,enth Street Philadelphia, PA 19140 (215) 227-7111 FAX: 12151 227.7117 Contact. RobE': J Sant;ago Counties: Pr,,:a:elphia on!y Page 5 COMMISSION ON ECONOMIC OPPORTUNITY OF LUZERNE COUNTY 211-213 South Main Street Wilke..Barre, PA 18701 (717) 826-0510 OR 118001822-0359 FAX: (717) 829-1665 - CIIII before faxing (71 7) 455.4994 - Hazl.ton FAX: (7171 455-5631 . C.II be fora faxing (717) 836-4090 . Tunkhannock Contact: Robert Delaney Countle.: Carbon, Columbia, Luzerne. Monroe. Schuylkill and Wyoming COMMUNITY ACTION SOUTHWEST 22 West High Street Wavnesbur9, PA 15370 (412) 852-2893 FAX: (412) 627- 7712 - Greene Company Contact: Doug Wagn.r Countle.: Allegheny, Fayette, Greene. Washington and Westmoreland CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 1211 Chestnut Street, Suite 400 Philadelphia. PA 19107 (215) 563-5665 FAX: '2151864.2666 Contact: Tom O'Neil Countl.a: Bucks, Chester, Delaware. Delaware, Montgomery and Philadelphia " CONSUMER CREDIT COUNSELING SERVICE OF LEHIGH VALLEY 3671 Crescent Court East Whitehall, PA 18Q52 (215) 821.4011 or 1(80CI 220-2733 (717) & (814) only FAX: (215) 821-0137 Contact: AI Kotch Counties: Ber,s, Bucks, Ca'bon, Lan~aster, Lehigh and Northampton ( CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PENNSYLVANIA, INC, (a) 500.02 3rd Avenu. P,O. Box 278 Duncansville, Pennsylvani. (814) 696.3546 Counties: Armstrong, Bedford, Blair, Cambria, Cameron, Centre. Clearfield, Huntingdon. Juniata, Mllllin, Union (b) 2000 linglestown Road Harrisburg. PA 17102 (717) 541-1757 Counties: Adams, Cumberland, Dauphin, Perry, Snyder, York (c) YMCA Building 339 North Washington Street Butler, PA 16001 Counties: Butler. Clarion. Jefferson, Mllreer, Venango (dl 309 Smithfield Street Pittsburgh, PA 15222 1412) 471.7584 Contact: Jack On orad Countiea: Allegheny Only (e) 1 North Gate Square #2 Garden Center Drive Graensburg, PA 15601 (412) 838-1290 Counties: Fayette. Greene, Indiana, Somerset. Washington. Westmoreland (fl 9~ 2 So~th George Street York, PA 17403 (7171 846.4 176 Counties: Fulton Only /gl 15t Federal Plaza, Suite 406 ' Nor:~ r,\,~: Street Page 6 New Celtle, PA 16101 (4121 852.8074 Countle.: Lawr.nce Only (hI 524 Frlnklin Avenue Frlnklin Center Aliquippl, PA 15001 (4121 652.8074 Countl..: Buver Only CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA (I' Humin Services Building 541 Wyoming Avenue, Box 168 Scranton. PA 18501 17171 342-1072 OR 118001 922.9537 FAX: 17171 342.8040 (bl 31 West Market Street Wilkes-Blrre. PA 18702 (7171 821-0837 OR 1(800) 922.9537 FAX: 1717} 821.1785 Contlct: Mike Elick Counti..: Bradford. Carbon. Columbia. Lackawanna. Luzerne. Lycoming. Monroe. Montour, Northumberland, Pike. Sullivan, Susquehanna. Tioga. Wayne. Wyoming ECONOMIC OPPORTUNITY CABINET OF SCHUYLKILL COUNTY 188 Norwegian Street Pottsville. PA 17901 17171622.1995 FAX: (717) 622-0429 Contact: Marybeth Dohmann Counties: Berks, Carbon. Lebanon. Lehigh, Luzerne. Northumberland, Schuylkill FAYETTE COUNTY COMMUNITY ACTION AGENCY. INC 137 North Beeson Avenue Unlonto','.n, PA 15401 1412) 437.6050 OR 1(800) 427.INFO FAX: (412: 4374418 Contlet: Jennifer Cln.d. Countl.a: Flyette Only FINANCIAL SERVICES UNLIMITED 1 1 7 West Third Street Waynesboro. PA 17268 (717) 762-3285 Contact: Natalie Newcomer Counties: Adams, Cumberland, Franklin. Fulton. Perry GREATER ERIE COMMUNITY ACTION COMMITTEE 18 West Ninth Street Erie. PA 16501 (814) 459-4581 FAX: 18141456.0161 Contact: Robert Lemary Countiea: Crawford. Erie. Venango, Warren INDIANA COUNTY COMMUNITY ACTION PROGRAM .827 Water Street Box 187 Indiana. PA 15701 1412) 465-2657 FAX: (412) 465.5118 Contact: Randy Foster Counties: Armstrong. Cambria. Clearlield. Indian.. ,Jefferson. Westmoreland HISPANIC ASSOCIATION OF CONTRACTORS & ENTERPRISES 2921.27 North 5th Street Philadelphia, PA 19133 1215i 426-8025 FAX: 1215) 426-8027 Counties: Bucks, Chester. Delaware. Philadelphia. Hous:rJG COUNSEL OF YORK 1 16 ~Jorth George Street York, PA 17401 Page 7 17171854-1541 FAX: 17171 854-7934 Contlct: Ollnl Wilker Counti..: York HOUSING ASSOCIATION OF DELAWARE VALLEY (a) 1314 Chestnut Street, Suite 900 Philedelphla, PA 19107 (2151545-6010 FAX: (215) 790.9132 (b) 658 North Watts Street Philadelphia, PA 19123 (215) 978-0224 FAX: (2151 765-7614 Contact:' Khalil Walker Counties: Philadelphia HOUSING OPPORTUNITIES, INC. 133 Seventh Street McKeesport, PA 15134 (4121664.1590 FAX: (412) 664-0873 Contact: Allen Seth man Counties: Allegheny. Beaver, Butler, Washington. Westmoreland JOHN F. KENNEDY CENTER, INC, 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX: (814) 898-1243 Contact: Mary Gavin Counties: Crawford, Elk. Erie, Jefferson. McKean, Venango KEYSTONE ECONOMIC DEVELOPMENT CORPORA liON 1954 Mary Grace Lane JohnstO'l,n, PA 15901 (814) 535.6556 FAX: 181~ 539.1688 Contact: D3'.ld Kennedy Counties: Bedford, Blair. Cambria. CI.lrfl.ld, Indiln., Some,..t, W.ltmor.llnd LA CASA DEL PUEBLO 815 W, Baltimore Pike Kennett Square, PA 19348 (215) 444.3731 FAX: (215) 444-3178 Contact: Dawn Vega Counties: Berks. Chester, Delaware. Lancaster. Montgomery, L YCO~ING.CLlNTON COUNTIES COMMISSION FOR COMMUNITY ACTION (STEP) 21 38 Uncoln Straet P,O, Box 1328 Williamsport. PA 17703 (717) 326-0587 FAX: (717) 322-2197 Contact: Dan Merk Counties: Clinton, Lycomlng, Union MEDIA FELLC.vSHIP HOUSE 302 South Ja:kson Street Media, PA 19063 1215) 565-0846 Contact: Joy:e Kane Counties: Chester, Delaware. Montgomery, Philadelphia MONTGOME~Y COUNTY OPPORTUNITY BOARD 530 Church Street. 2nd Floor Norristown, PA 19401 (215) 277.6363 FAX: (215)277-2123 Contatt: Char'es Mason Counties: Mc-tgomery only MON.V ALLE'JNEMPLOYED COMMITTEE 120 E, 9th A,enue Homestead. F:" 15120 1412, ':36.1'~- Con:act Ra, ::anczk Cauntle s: A',~;.~ eny, Beaver. Butler, Fayette. Gree"e. Pag e 8 WI.hlngton, Wlttmor.llnd NORTHERN TIER COMMUNITY ACTION CORP, 135 W, Fourth Street Emporium, PA 15834 (814) 486-1161 FAX: 18141 486-3370 Contect: Fred Fish Counties; Cameron, Elk. McKean. Polter. PHILADELPHIA COUNCIL FOR COMMUNITY ADVANCEMENT 100 North 17th Street Suite 600 Philedelphia. PA 19103 12151567- 7803 FAX: (2151963.9941 Contect: Henry Cruz Counties: Chester. Deleware, Montgomery. Philadelphia SHENANGO VALLEY URBAN LEAGUE. INC, 601 Indiana Avenue Farrell. PA 16121 (412' 981.5310 Contact; James Long Counties: Crawford. Lawrence. Mercer . TABLELAND SERVICES. INC. 131 North Center Avenue Some"et, PA 15501 (814) 445.9628 FAX; (814) 443-3690 Contact: Mary Ann Strong Counties: Bedford, Cambria, Fayette. Somerset, ''vestmoreland TABOR COMMUNITY SERVICES, INC, 439 East King Street Lancast"', PA 17602 (717) 397-5182 or 1.800-783,5062 IHomeowner's only) FAX: 17171 399.4127 Contlct: Nevin Hor.t Countie.: Chllter, LlnCllter, Lebanon THE TREHAB C~NTER OF NORTHEASTERN PENNSYLVANIA la) 7 Lake Avenue, BOll 339 Montrose. PA 18801 (717) 278.3338 or 1.800-982.4045 FAX; (717) 278-1889 (b) 185 Elmira Street P,O, Box 218 Troy. PA 16947 (7171928-9668 Icl German Street. P,O, Box 389 Dushore. PA 18614 (717) 928-9668 I (dl His Majesty Fellowship Church 207 Penn Avenue, P,O, Box 104 Athens, PA 18810 (Wed-Fri) (717) 888.6024 lei 17 Crafton Street Wellsboro. PA 16901 (717) 724.5252 (f) 602 1/2 Church Street P.O, Box 97 Honesdale. PA 18431 (717) 258.4987 (gl 103 Warren Street PO, Box 709 Tunknanno:k. PA ;8657 17171 836.6840 Counties: Bradford, Sullivan. Susquehanna, Tioga. \',ayne, \'/',.omtng URBAN LEAGUE OF METROPOLITAN HARRIS8URG 2 '5 ~Jorth "ront Street Page 9 ...., , , ,"'1 , Harrlaburll. PA 17101 (7171234-5925 FAX: (7171232.4985 Contact: Kelly Sloane Counti..: Cumberland, Oauphin, Perry URBAN lEAGUE OF PHilADELPHIA Urban Education Foundation 4601 Market Street 2nd Floor, South Wing Philadelphia. PA 19139 (215) 476.4040 FAX: (215) 476-4667 Contact: Herb Brunson Counties: Philadelphia only URBAN lEAGUE OF PITTSBURGH, INC. Building for Equal Opportunity One Smithfield Street Pittsburgh, PA 15222-2222 (412) 261-1130 FAX: (4121261-5207 Contact: lee Fuqua Counties: Allegheny only , , WARREN.FORREST COUNTIES ECONOMIC OPPORTUNITY COUNCil 204 Liberty Street P.O. Box 547 Warren, PA 16365 (814) 726.2400 FAX: (814) 723-0510 Conteet: Ooris Swan. Counti..: Forest, Warren , , '. I YWCA OF CARLISLE 301 G Street Carlisle. PA 17013 (717) 243.3818 FAX: (7171243.3948 Contact. Pamela Line Counties: Cumberland. Franklin. Perry Page 10 .; .. , . " DATE: APRIL 24, 1886 RE: F.d.r.' N.tlonll Mortglgl Alloelltlon Property Address: 19 Houston Drive. Mechlnlcsburg. PA 17055 Loan Number: 0004107535 Our File Number: 95.8585 TO: Jeffrey L. Watts 19 Houston Drivo. Mechanicsburg, PA 17055 FROM: NANCY A, WORTH, ESQUIRE CHERYL L, VILLAUME. ESQUIRE You may be eligible for financial assistance that will prevent foreclosure on your mortgage If you comply with the provisions of the Homeowner.' Emergencv Mortgag. Assistance Act Gf 1983 (the "Act"), You may be eligible for .mergency .empor.ry aulstance If your default has been caused by circumstances beyond your control, you have a reasonable prospect of resuming your mortgage pavment., and If you meet other eligibility requirements established by the Pennsylvania Housing Finance Agency, Plea18 read all of thia Notice, It contains an explanation of your rights, Under the Act. you are entitled to a temporary stay of foreclosure on your mortgage for thirty (30i days from the date of this Notice, During that time you must arrange and attend a "face.to-face" meeting with a representative of this lender, or with a designated consumer credit counseling agency, The purpose of thiS meeting IS to attempt to work out a repayment plan. or to otherWise settle your delinquency, This meeting must occur In the next thirty (30) days, If you attenda face-to-face meeting with this lender. or with a consumer credit counseling agency identified in thiS notice, no further proceeding in mortgage foreclosure may take place for thirty (30) days after the date of this meeting, The name, address and telephone number of our representative is: SHAPIRO AND KREISMAN SOUTHPOINT OFFICE COMPLEX 1160 WEST SWEDESFORD ROAD, SUITE 350 BERWYN, PA 19312 TELEPHONE (610) 695.9240 FACSIMILE (610) 695.9256 The names and ajdress'~s of des' ;nated cons "'T~er cred:t counseling agencies ar'.! sl10wn on the attached She'.)L It IS cnly nece,sa'y to schedule one face.to-face meeting. You s,hould adVise trl'S lender ,mmlJdla:e', of your Int:'ntlons, Page 2 ,,'.', ( Your mortglge il In dlfault blcluae you hlv, rlUld to PlY promptly 'nltallmlntl of principII Ind Intlr.lt. II rlqulr.d, fOt a period of It 11..t .hrty 1801 dlY', Thl total .mount of thl dllinqulncy I, $26,767.89, Thlt .um Includ.. thl following: monthly payment. of .1.836,91, monthly late charges of $68.48. plus In escrow advancI of . 2.903,01. Your Mortgage is 1150 In default for the follOWing reasons: (use this paragraph only if ac::licablel If you have tried and are unable to resolve this croblem at or after your face,to. face meeting. you have the right to apply for finanCial assistance from the Homeowners' Emergency Mortgage Assistance Fund, In order to do this. you must f,lI out. sign and file a completed Homeowners' Err~rgency Assistance Application with one of the designated consumer credit cou,"1seling agencies listed on the attachment. An application for assistance may only be obtained from a consumer credit counseling agency. The consumer credit counseling agency will assist you in filling out your application and will submit your completed application to the Pennsylvania Housing Finance Agency, Your application must be filed or postmarked. within thirty 1301 days of your face.to-face meeting, It is extremely impo.-rant that you file your ap;:; cation promptly, If you do flOt do so. or if you do not follow other time periOds se: forth IfI this letter. foreclosure may proceed against your home immediately, Available funds for emerg-='1cy mortga'3e ass:s:3'1Ce a'e very limited, They will be disbursed by the Agency under the eligibility crite',a established by the Act. It is extremely Important that your application IS accura~~ and complete In every respect, The Pennsylvania HOUSing Finance Agenc. has sixty 160, days to make a deCISion after it receives your application, DUring tha: additional time. no foreclosure proceedings will be pursued against you if you have met the time requirements set forth above, You will be notified directly by the Agency of its deCision on your application, The Pennsylvania Housing Finance Agency,s locatej as 2101 North Front Street, Post Office Box 8029 Harrrsburg, PennS'llva~ : '7'(5 Telechone No, 17171 780.3800 or 1/8001 342-2397 I toll free numberl, Po; - IClns ,', th Impaired hearing can call , 18001 342.2397, Page 3 / ACT '1 AGE",CY umfllQ . PENNSYLVANIA HOUSING FINA~CE AGENCY HOMEOWNERS' EMERGENCY MQRTGAGE ASSI$TANCE PROGRAM CONSUMER CREDIT COUNSELING AGENCIES ACORN HOUSING CORPORATION Altoonl, PA 16601 846 North Brold Street (814) 946.3651 Philadelphil, PA 19130 FAX: (814) 946-5451 12151 763.2333 Contact: Paul Rennie FAX: (215) 765-1427 Counties: Adams, Blair Contact: Allison Hughes Count/e.: Bucks, Chester, Delaware, Montgomery, Philadelphil ACTION HOUSING, INC, 2 Glt.way Center. 9th Floor Pittsburgh, PA 15222 (412) 391.1956 FAX: (412) 391-4512 Contlct: Larry Swanson Counties: Allegheny. Beaver, Butler, Fayette, Greene, Washington and Westmoreland AM CREDIT COUNSELING INSTITUTE 144 East Dekalb Pike, Suite 100 King of Prussia, PA 19406 (610) 354.9922 Countl..: Bucks, Chester, Delaware, Montgomery, Philadelphia AMERICAN RED CROSS.HANOVER CHAPTER 529 Clrlisle Str.et Hanover, PA 17331 (717) 637-3768 FAX: 1717) 637-3294 Contact: Stephanie Calp Counties: Adams, Franklin and York BLAIR COUNTY ECONOMIC OPPORTUNITY COUNCIL 5433 Industrial Avenue BOOKER T. WASHINGTON CENTER 1720 Holland Street Erie, PA 16503 (814) 453.5744 FAX: (8141 453-5749 Contact: Bob Huhta Countl..: Crawford, Erie and Warren BUCKS COUNTY HOUSING GROUP, INC, 140 East Richardson Avenue Langhorne, PA 19047 (215) 750-4310 FAX: (215) 750-4318 Contact: Pat Dyson Counties: Bucks Only BUDGET COUNSELING CENTER 247 North Fifth Street Reading. PA 19601 (215) 375.7866 FAX: 12151376-6575 (Mlin Office) Contact: Deborah Strunk Counties: Berks, Chester. Montgomery and Sr.huylklll CENTRO PEDRO CLAVER 3565 North Seventh Street Philadelphia, PA 19140 1215) 227.711 I FAX: 1215) 227.7117 Contact: Roberto Santiago Counties: Philadelphia only Page 5 COMMISSION ON ECONOMIC OPPORTUNITY OF LUZERNE COUNTY 211.213 South Mlln Street Wllkes-Blrrl, PA 18701 17171 826.0510 OR 118001 822.0359 FAX: 17171 829-1665 . Can before faxing 17171 455.4994 . Hazleton FAX: (7171 455.5631 - Can before fIXing (7171 836.4090 . Tunkhannock Contact: Robert Delaney Countie.: Carbon, Columbia, Luzerne. Monroe, Schuylkill and Wyoming COMMUNITY ACTION SOUTHWEST 22 West High Street Waynesburg, PA 15370 (4121852.2893 FAX: (4121 627-7712. Greene Company Contact: Doug Wagner Countf..: Allegheny, Fayene, Greene, Washington and Westmoreland CONSUMER CREDIT COUNSELING SERVICE OF DELAWARE VALLEY 1211 Chestnut Street. Suite 400 Philadelphia, PA 19107 (215) 563-5665 FAX: (215) 864.2666 Contact: Tom O'Neil Countlea: Bucks, Chester, Delaware. Delawara, Montgomery and Philadelphia CONSUMER CREDIT COUNSELING SERVICE OF LEHIGH VALLEY 3671 Crescent Court East Whitehall, PA 18052 (215) 821.4011 or 1(800) 220-2733 (717) & (814) only FAX: (215) 821.0137 Contact: AI Kotch Counties, 8~'<s, Bucks. Carbon. Lancaster, Lehigh and N:Jrthampton ".. I CONSUMER CREDIT COUNSELING SERVICE OF WESTERN PENNSYLVANIA, INC, III 500-02 3rd Avenue P.O, Bo)( 278 Duncansville, Pennsylvania (814) 696.3546 Countlea: Armstrong, Bedford, Blllr, Cambria, Cameron. Centre. Cleerfield, Huntingdon, Juniate, Mifflin, Union (b) 2000 Linglestown Road Harrisburg. PA 17102 (717) 541.1757 CountJ..: Adams, Cumberland, Dauphin, Perry, Snyder, York (c) YMCA Building 339 North Washington Street Butler. PA 16001 Counties: Butler, Clarion, Jefferson. Mercer, Venango (d) 309 Smithfield Street Pinsburgh. PA 15222 (412) 471.7584 Contact: Jack Onorad Counties: Allegheny Only (e) 1 North Gate Square #2 Garden Center Drive Greensburg, PA 15601 (412) 838.1290 Counties: Fayene. Greene, Indiana, Somerset, Washington, Westmor~land If I 912 Sout~, George Street York. PA 17403 (717) 846.4176 Counties: FU'::Jn Only (g) 1st Fede'a: Plaza, Suite 406 North Mill Street Page 6 New C.ltl., PA 18101 (4121852.8074 Countl.l: Llwr.nc. Only (hI 524 Franklin Avenue Fr.nklin C.ntar Aliquippl, PA 15001 14121 652.8074 Countl..: Belver Only CONSUMER CREDIT COUNSELING SERVICE OF NORTHEASTERN PENNSYLVANIA (II Humin Services Building 541 Wyoming Avenue, BOle 168 Screnton, PA 18501 17171 342-1072 OR 1(8001 922.9537 FAX: (7171 342.8040 (bl 31 Welt Merket Street Wllkes.B.rre, PA 18702 17171821.0837 OR 1(8001 922.9537 FAX: 1717t821.1785 Contect: Mike Elick Countl..: Bradford, Carbon, Columbia, Lackawanna. Luzerne, Lycomlng, Monroe, Montour, Northumberland, Pike, Sullivan, Susquehanna. Tioga, Wayne. Wyoming ECONOMIC OPPORTUNITY CABINET OF SCHUYLKILL COUNTY 188 Norwegian Street Pottsville, PA 17901 17171 822.1995 FAX: (7171 822-0429 Contact: Merybeth Dohmenn Counti..: Berks, Carbon. Lebanon. Lehigh, Luzerne, Northumberland, SChuylkill FAYETTE COUNTY COMMUNITY ACTION AGENCY,INC, 137 North Beeson Averlue Unlonte".n,?A 15401 (412) 437.6050 OR 1 (800) 427.INFO FAX: (412) 437.4418 Contact: J.nnlf.r ClnleS. Countl..: Fly.tt. Only FINANCIAL SERVICES UNLIMITED 11 7 Welt Third Street Waynesboro, PA 17268 (7171 762.3285 Contact: Natalie Nllwcomer Counties: Adams, Cumberland, Frank:'n, Fulton, Perry GREATER ERIE COMMUNITY ACTION COMMITTEE 1 8 West Ninth Street Erie, PA 16501 (814) 459-4581 FAX: (814) 456-0161 Contact: Robert Lamary Counties: Crawford, Erie, Venango, WI"en INDIANA COUNTY COMMUNITY ACTION PROGRAM 827 Water Street BOle 187 Indiana, PA 15701 (412) 465-2657 FAX: (412) 465-5118 Contact: Randy Fester Counties: Armstrong, Cambria, Clearfleld, Indiana, Jefferson. Westmoreland HISPANIC ASSOCIATION OF CONTRA:TORS & ENTERPRISES 292 I -27 North 5th Street Philadelphia. PA 19133 1215, 426-8025 FAX (215) 426-8027 Counties: 8ucks. Chester, Delaware. Ph,'3delphia. HOUSING COUNSEL OF YORK 116 North George Street York, PA 17401 Page 7 I 4, ' (717) 854.11541 FAX: (7171854-7934 Cont.ct: Olin. Wllk.r Countie,: York HOUSING ASSOCIATION OF DELAWARE VALLEY lal 1314 Cheatnut Strut, Suite 900 Philadelphia, PA 19107 12151545.6010 FAX: (2151 790.9132 Ibl 658 North Watts Street Philadelphia, PA 19123 12151978.0224 FAX: 12151765-7614 Contact: Khalil Walker Counties: Philadelphia HOUSING OPPORTUNITIES, INC. 1 33 Seventh Street McKeesport, PA 15134 (412) 664-1590 FAX: 14121664-0873 Contact: Allen Sethman Counties: Allegheny, Beaver, Butler, Washington. Westmoreland JOHN F, KENNEDY CENTER, INC. 2021 East 20th Street Erie, PA 16510 (814) 898-0400 FAX: 18141 898-1243 Contact: Mary Gavin Counties: Crawford, Elk, Erie, Jefferson, McKean, Venango KEYSTONE ECONOMIC DEVELOPMENT CORPORA TION 1954 Mary Grace Lane Johnstown, PA 15901 /8141 535-6556 FAX: 18141 539.1688 Contact: DaVid Kennedy Counties: Bedford, Blatr. Cambrlll, ". CI..rfIlld, Indi.nl, Somerllt, W.ltmorel.nd LA CASA DEL PUEBLO 8115 W. Baltimore Pike Kennett Squara, PA 19348 (215) 444-3731 FAX: 12151444-3178 Contact: Dlwn Vegl Counties: Berks. Chester, Dellwere, Lancaster, Montgomery, L YCOMING-CLlNTON COUNTIES COMMISSION FOR COMMUNITY ACTION ISTEP) 21 38 Lincoln Street P.O, Box 132B WllIilmsport, PA 17703 17171 326-0587 FAX: (7171322-2197 Contact: Dan Mark Counties: Clintoll, Lycomlng, Union MEDIA FELLOWSHIP HOUSE 302 South Jackson Street Media, PA 19063 (215) 565-0846 Contact: Joyce Kane Counties: Chester, Delaware, Montgomery, Philadelphia MONTGOMERY COUNTY OPPORTUNITY BOARD 530 Church Street, 2nd Floor Norristown, PA 19401 (215) 277-6363 FAX: (215)277-2123 Contact: Charles Mason Counties: Montgomery only MON-VALLEY UNEMPLOYED COMMITTEE 120 E, 9th Avenue Homestead. PA 15120 (412~ 486.1161 Contact: Ray Gan~zk Counties: Alleghen'" Be.';er, Butler, Fayette. Greene, Page 8 . 'I .. .-, - W..hlngton, W..tmorlllnd NORTHERN TIER COMMUNITY ACTION CORP, 135 W. Fourth Street Emporium, PA 15834 18141486-1161 FAX: (8141 486.3370 Contact: Fred Fish Counties: Clmeron, Elk, McKean. Poner. PHILADELPHIA COUNCIL FOR COMMUNITY ADVANCEMENT 100 North 17th Street Suite 600 Philldelphil, PA 19103 (2151567.7803 FAX: (2151 963.9941 Contect: Henry Cruz Counties: Chester. Delawlre. Montgomery. Philldelphil SHE NAN GO VALLEY URBAN LEAGUE. INC, 601 Indilna Avenue Flrrell. PA 16121 (412) 981-5310 Contect: Jlmes Long Counties: Crawford. Llwrence. Mercer TABLELAND SERVICES. INC, 131 North Center Avenue Somerset. PA 15501 (814) 445-9628 FAX: (814) 443-3690 Contlct: Mary Ann Strong Counties: Bedford. Cambria, Fayene. Somerset, Westmoreland TABOR COMMUNITY SERVICES. INC, 439 East King Street Lancaster. PA 17602 (717) 397-5182 or 1.800.788.5062 (Homeowner's only) ,. FAX: (717) 399.4127 Contlet: Nevin Hor.t Countl..: Chlater, LlnClltlr. Llbenon THE TREHAB CENTER OF NORTHEASTERN PENNSYLVANIA lal 7 Lake Avenue, BOll 339 Montrose. PA 18801 (717) 278.3338 or 1.800.982.4045 FAX: (717) 278.1889 (bl 185 Elmirl Street P.O, BOll 218 Troy. PA 16947 (7 I 7) 928.9668 Ic) German Street. P,O, Box 389 Dushore. PA 186 14 (717) 928.9668 (d) His Majesty Fellowship Church 207 Penn Avenue, P.O. Box 104 Athens. PA 188 I 0 IWed.Fril (7171 888.6024 (e) 17 Crafton Street Wellsboro. PA 16901 (717) 724.5252 (I) 602 1/2 Church Street P,O, Box 97 Honesdele, PA 18431 (717) 258.4987 (g) 103 Warren Street P.O, Box 709 Tunkhannock. PA 18657 (717) 836.6840 Counties: Bradlcrd. Sullivan. Susquehanna. Tioga. Wayne. W,,.omlng URBAN LEAGUE OF METROPOLITAN HARRISBURG 25 North Front Street Page 9 .. I, to ," '1r':'f~ '/'(;':'" "n',':'''''\~''.,'''' '..."I.burg, PA 17101 (717) 234.5925 FAX: (717) 232.4985 Contlct: Kelly Slolne Countiel: Cumberlllnd, Dluphin, PlIrry ,,' , ..j,i: :~,:;'~'~", ...,,'-:~.I"~..}\u:~n,~'-'~.'F," 1:/ .;riI})~~iJ,~~;.~i~ . ',"" ',", . I ,,- .' . .~:.. ',,' I. AI J;~~"'~~ ";,1."" ' URBAN lEAGUE OF PHilADELPHIA Urblln Education Foundation 4601 Market Street 2nd Floor, South Wing Phlledelphie, PA 19139 (215) 476-4040 FAX: (215) 476.4667 Contlct: Herb Brunson Counties: Philadelphia only URBAN lEAGUE OF PITTSBURGH, INC. Building for EquII Opportunity , . One Smithfield Straet Pittsburgh, PA 15222.2222 (412) 261.1130 FAX: /4121 261.5207 Contact: lee Fuqull Counties: Allagheny oniy , , _,tIp' , . WARREN.FORREST COUNTIES ECONOMIC OPPORTUNITY COUNCil 204 Liberty Street P,O. Box 547 W."en. PA 16365 (814) 726-2400 FAX: 18141723.0510, Contact: Doris SWlIn Counties: Forest, WlIrren YWCA OF CARLISLE 301 G Street Carlisle. PA 17013 (717) 243.3818 FAX: (717) 243.3948 Contact: Pamela Line Counties: Cumberland, Franklin, Perry Plge 1 0 \.' ... VERIFICATION ii' STATE OF }eM~)~\Vanio.... COUNTY OF ~LJmberlCl.J'1ci SS. The undersigned Monica N. Miller, being duly sworn, depose and say that the deponent is the for the Plaintiff in this action, the deponent has read the complaint, and the contents of the complaint are true to the deponent's own knowledge, except as to those mAtters which are alleged upon information and belief, and as to such matters the deponent believes them to be true. , -~~ .~___>~ ,"'N\.0v.._ Monica N. Miller I Assistant Treasurer Subscribes and sworn to before me on , 19____ /)J1YfJ Vi /}J;l/);}/i) o LIA, A .' A. Ilt.81lA L MC NAIR NOfAIV rulUC !1I'Alli Of FIDIIDA COMMISSION NO, C0.7601 NY COtolMIS610N FXP, APR. 26 IN